What are you retreating from? If the user is not the person themselves, there is no need to retreat.

When withdrawing funds on the platform, what should users do if the payment is made from an account that is not the merchant's real-name account?

First, when you discover that the payment account is not the merchant's real-name account, you need to refund the funds and take screenshots of the transfer records and merchant information.
Contact the platform's customer service, explain the situation, and provide relevant evidence. If there are any issues later, the platform will assist you.

Users must pay attention; if it is not a real-name account, you must strictly adhere to the regulations and report the merchant to the platform. This is not just for you alone; it requires the joint efforts of the platform, merchant, and users to ensure that fund withdrawals and deposits are safer for users.
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