In Pakistan, a significant challenge with P2P transactions is the frequent freezing of bank accounts. Here's how this typically unfolds:

When verified merchants request identity documents such as ID cards, selfies, videos, or additional proofs, many Pakistani users feel offended. They often think, "I’ve already completed my KYC. Why are they asking for this again?" This misunderstanding leads them to assume the merchant is accusing them of being scammers.

However, the purpose of these requests is not mistrust but rather to ensure that buyers are not engaging in fraudulent activities. If a merchant’s bank account gets blocked due to a suspicious transaction, it can trigger a chain reaction where other accounts receiving payments from the scammer also risk being frozen.

The Role of Patience

One of the biggest issues is impatience. Some users lose their cool if a merchant doesn’t reply within minutes. “The merchant hasn’t responded in 15 minutes? Time to file an appeal!” This hasty approach creates unnecessary complications.

Solution:

Allow at least one hour for merchants to respond before filing a dispute. Merchants often manage multiple orders simultaneously and may need some time.

Understanding Merchant Terms

Another issue arises when buyers ignore the merchant's terms and engage in unnecessary arguments in the chat. This adds extra pressure on merchants who are already juggling numerous buyers.

Key Takeaways

1. Cooperate with Verification: Be open to sharing requested documents to help merchants ensure safe transactions.

2. Read Terms Carefully: Understand the merchant’s terms before proceeding with a trade.

3. Be Patient: Wait for a reasonable period (at least an hour) before escalating disputes.

By practicing patience and understanding, users can significantly reduce issues like account freezing and foster smoother P2P transactions for everyone involved.