你知道“免密支付”怎么关闭吗？记者多平台实测：一步开通，平均要五六步才关掉

Core Viewpoint - The China Payment and Clearing Association has issued an initiative to enhance the security management of "no-password payment" services, highlighting the need for improved safety measures and user awareness in this area [1][2]. Group 1: Security Management Recommendations - Payment service providers are encouraged to strengthen security management for "no-password payment" by eliminating default activation, providing limit management features, and prominently offering a one-click cancellation option [3]. - Users are advised to regularly check their agreements regarding "no-password payment" services [3]. Group 2: User Experience and Feedback - Users have expressed frustration on social media about unintentionally activating "no-password payment" due to misleading prompts or accidental clicks, and they often struggle to find ways to deactivate this service [4][5]. - Testing revealed that deactivating "no-password payment" on popular platforms requires multiple page navigations, averaging 5 to 6 clicks, which complicates the process for users [5][6]. Group 3: Payment Limits and Security Concerns - Different merchants have varying single transaction limits for "no-password payment," with some platforms allowing limits as high as 1,000 yuan, while others restrict transactions to under 100 yuan [7]. - Concerns regarding the security of "no-password payment" include risks associated with lost devices and erroneous transactions, which could lead to unauthorized deductions from accounts [8]. Group 4: Comparison with Traditional Payment Methods - Traditional bank cards with "no-password payment" features have established security measures, including chip technology, merchant vetting, transaction limits, intelligent risk control, and full compensation for losses due to fraud [9][10][11]. - The underlying security mechanisms of mobile wallets like Alipay and WeChat Pay differ from traditional bank cards, relying more on their own risk control systems rather than external card organization rules [12]. Group 5: User Choice and Functionality - Experts argue that "no-password payment" can be beneficial in high-frequency, low-value transaction scenarios, as it enhances user experience by reducing the need for repetitive password entry [12][13]. - The emphasis is placed on respecting user choice, with calls for payment platforms to avoid default selections and ensure clear communication regarding activation and deactivation of "no-password payment" features [16].