电商支付“免密”，方便了谁？

Core Viewpoint - The "no-password payment" service in e-commerce, intended to enhance user shopping convenience and experience, poses significant security risks, prompting warnings from the China Consumers Association about potential financial losses due to excessive account permissions [1][3]. Group 1: Security Risks - The "no-password payment" feature allows users to make purchases without entering a password, increasing the risk of unauthorized transactions if a user's phone is lost or account is compromised [3][4]. - Despite having a transaction limit, criminals can exploit the feature for frequent small transactions, leading to substantial financial losses for users [3][4]. - The hidden nature of "no-password payments" makes it difficult for consumers to detect unauthorized transactions promptly, often resulting in multiple deductions before users realize the issue [3][4]. Group 2: User Complaints and Challenges - Over 50,000 complaints related to "no-password payments" have been reported, including issues of unauthorized activation, inability to cancel the feature, and arbitrary deductions by platforms [5][6]. - Users have experienced difficulties in obtaining refunds, often facing blame-shifting between payment platforms and merchants when disputing unauthorized charges [5][6]. - Many users, particularly older individuals, have reported unintentionally activating the "no-password payment" feature due to unclear platform communication and design [6][5]. Group 3: Recommendations and Regulatory Suggestions - The China Consumers Association advises users to avoid enabling "no-password payments" unless necessary and to regularly check their payment authorizations [8][9]. - Platforms are urged to provide clear information about the activation conditions, risks, and cancellation processes for "no-password payments" [6][9]. - Regulatory bodies and consumer associations are encouraged to enhance oversight of "no-password payment" practices to protect consumer rights and ensure compliance with relevant laws [9][10].