“免密支付”乱象频出 中国支付清算协会倡议规范

Core Viewpoint - The rise of "no-password payment" systems has led to convenience but also significant issues with unauthorized charges, prompting the China Payment and Clearing Association to propose safety management measures for these services [3][4]. Group 1: Issues with No-Password Payments - Users have reported difficulties in canceling no-password payment authorizations, leading to unexpected charges [1][4]. - There is a growing concern over the transparency of authorization processes and the challenges users face when trying to opt-out of these services [4][5]. - Incidents of unauthorized transactions, such as a user being charged over 80,000 yuan in a single night, highlight the risks associated with no-password payments [10]. Group 2: Recommendations from the China Payment and Clearing Association - The association has outlined five key requirements for payment service providers, emphasizing the need for clear user consent and easy cancellation options [4][5]. - It calls for enhanced risk management practices for merchants and improved monitoring of transactions to prevent unauthorized charges [4][5]. - Special attention is given to protecting elderly users, ensuring they receive clear information and easy access to cancel no-password payment options [5]. Group 3: User Awareness and Security Measures - Users are advised to strengthen their account security through measures like two-factor authentication and regular password changes [6]. - There is a recommendation for users to be vigilant about potential marketing traps and to avoid saving payment information on public devices [7]. - Regular checks of no-password payment agreements and prompt action on any suspicious transactions are encouraged to enhance user security [8]. Group 4: Industry Response and Future Outlook - Analysts expect payment service providers to respond positively to the association's recommendations, leading to improvements in product design and customer service [8]. - The emphasis on user education and collaborative governance between platforms and consumers is seen as essential for balancing convenience and security in the payment landscape [11].