Paytm frozen my merchant account for 60+ days with no valid reason — need help
Hey everyone,
I run a small kirana store in Hyderabad and Paytm has frozen my merchant account balance of ₹54,133 since 5th June 2026. No chargeback has been filed by any customer against me.
Their reason is “high value transactions and repeated usage of same customers” — but these were genuine bulk grocery orders for private functions and parties. Completely normal for a kirana store.
What I’ve done so far:
• Submitted all documents they asked for
• Escalated to Nodal Team
• Received 7 identical copy-paste responses over 60 days
• Emailed RBI at crpc@rbi.org.in
• Called RBI helpline 14448
• Filed consumer complaint on edaakhil
• Now filing on e-Jagriti
Paytm keeps saying funds will be released after 180 days chargeback window but no chargeback has actually been filed.
Has anyone dealt with this before? How did you resolve it? Any lawyers or consumer advocates who can help?
Any advice appreciated 🙏