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Are the funds to be liquidated by personal online banking merchants personal funds?

yes.

The merchant accounts to be cleared are income accounts transferred by individuals through third-party platforms, so they are personal funds.

The merchant's consumption account to be cleared is the sales or service money transferred by the other party to the unit through online banking. When the POS terminal is directly connected to the UnionPay system, when POS consumption occurs, this transaction information will first be sent to the UnionPay host system, and the UnionPay system will automatically

After judgment, it will be sent directly to the relevant card-issuing bank, and the information will be returned along the way.