In Pakistan, a significant issue with P2P transactions is the frequent freezing of bank accounts. Here’s how it typically unfolds:

When verified merchants request identity documents such as ID cards, selfies, videos, or additional proof, many Pakistani users feel offended. They often think, “I’ve already completed my KYC, so why are they asking for this again?” This can lead to misunderstandings, with users assuming merchants are accusing them of being scammers.

However, the real reason merchants request these documents is to safeguard against fraudulent activities. If a merchant’s bank account gets frozen due to a suspicious transaction, it can trigger a ripple effect, potentially freezing the accounts of others who received payments from the same source.

One of the biggest problems is a lack of patience. Many users don’t wait even an hour before escalating issues. For example, if a merchant doesn’t respond within 15 minutes, some users immediately file an appeal. This impatience only complicates the process. It’s essential to allow merchants at least one hour to respond, as they may be handling multiple transactions simultaneously.

Another issue arises when users ignore the merchant’s terms and engage in unnecessary arguments in the chat. This adds extra pressure on merchants who are already managing multiple buyers.

To address these challenges, patience and understanding are crucial. Always read the merchant’s terms carefully, cooperate with the verification process, and allow a reasonable amount of time before filing disputes. Following these practices can help minimize bank account freezes and create a smoother experience for everyone involved.