“免密支付”怎么关闭？记者多平台实测：一步开通，关掉步骤繁琐

Core Viewpoint - The China Payment and Clearing Association has emphasized the need for enhanced security management in "no-password payment" services, highlighting existing vulnerabilities in both service providers and user awareness [1][3]. Group 1: Security Management Recommendations - The association advocates for payment service providers to strengthen security management for "no-password payment" by eliminating default activation, offering limit management features, and prominently providing a one-click cancellation option [3][20]. - Users are encouraged to regularly check their agreements for no-password payment services [3]. Group 2: User Experience and Feedback - Users have reported difficulties in canceling no-password payment services, with an average of 5 to 6 page jumps required on various platforms to deactivate the service [4][6]. - Many users have expressed frustration on social media about unintentionally activating no-password payment due to misleading interfaces or accidental clicks [5][6]. Group 3: Payment Limits and Merchant Practices - Different merchants have varying single transaction limits for no-password payments, with platforms like Xiaohongshu allowing up to 1,000 yuan, while others like Xianyu only support transactions below 100 yuan [8][9]. - Some platforms impose daily limits on the number of no-password transactions, enhancing security through transaction restrictions [9]. Group 4: Safety Concerns and Comparisons - Concerns regarding the safety of no-password payments include risks associated with lost devices and erroneous transactions, similar to issues previously raised about traditional bank card no-password payments [11][12]. - The security of no-password payments is supported by multiple safeguards, including chip card technology, trusted merchant selection, transaction limits, intelligent risk control, and full compensation for verified losses [12][14]. Group 5: User Choice and Functionality - The functionality of no-password payments is deemed reasonable in high-frequency, low-value transaction scenarios, where entering a password can hinder user experience [16][20]. - The emphasis is placed on respecting user choice, with a call for platforms to avoid default selections that may lead to unintended activations [15][20].