The biggest issue during peer-to-peer (P2P) transactions in Pakistan is the freezing of bank accounts. This problem often arises due to misunderstandings between buyers and verified merchants regarding verification requirements.

Many Pakistani users get irritated when merchants ask them for additional verification, such as copies of their CNIC, selfies, videos, or other documents. They argue, 'I’ve already completed KYC on the platform—why verify again?' Many buyers perceive these requests as questioning their honesty, leading to unnecessary disputes.

If a scammer conducts a fraudulent transaction and their bank account is flagged, all linked accounts may also come under investigation. As a result, innocent users’ accounts can get blocked. This is why merchants take extra precautions to protect themselves and buyers.

Another major issue is impatience. Many buyers expect immediate responses, and if a merchant doesn’t reply within 10-15 minutes, they instantly file complaints or disputes. Buyers forget that merchants often handle multiple transactions at once.

Additionally, refusing to accept merchants’ specific terms and conditions causes problems. When buyers ignore guidelines, disputes and arguments arise, complicating transactions. Merchants set these terms to ensure their workflow remains smooth and the process easy for everyone.

What’s the Solution?

1. Avoid impatience and practice cooperation.

2. Carefully read the merchant’s terms and conditions before initiating a transaction.

3. Cooperate if a merchant requests additional verification—it’s necessary for transparency and security.

4. Give merchants time to respond and avoid raising disputes immediately.

If these steps are followed, the risk of account freezes can be reduced, and the P2P transaction experience can improve significantly."