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In Pakistan, one major issue with P2P transactions is the frequent freezing of bank accounts. Here’s what usually happens:

When a verified merchant asks for identity documents like ID cards, selfies, videos, or any additional proof, many Pakistani users get offended. They think, "I’ve already done my KYC, why are they asking for this again?" They assume the merchant is accusing them of being a scammer.

However, the reason merchants ask for these documents is to ensure the buyer is not involved in fraudulent activities. If a merchant’s account gets blocked due to a suspicious transaction, it creates a chain reaction. Everyone who receives payments from that scammer could face account blocks too.

The biggest issue here is the lack of patience. People don’t wait even for an hour. "Oh, the merchant hasn’t replied in 15 minutes? Let’s file an appeal!" This impatience makes things worse. Please, give the merchant at least one hour to respond before raising any dispute. They might be handling multiple orders at once.

Another problem is people ignoring the merchant's terms and starting unnecessary arguments in the chat. This creates extra pressure for merchants, who are already juggling multiple buyers.

In short, patience and understanding are key. Read the merchant’s terms carefully, cooperate with the verification process, and wait for a reasonable time before filing appeals. This will help reduce issues like bank account blocks for everyone.