守好支付安全闸门！中国支付清算协会发声规范“免密支付”，杜绝默认开通行为

Core Viewpoint - The rise of "no-password payment" has significantly enhanced convenience in mobile payments, but it also raises serious concerns regarding security risks, including unauthorized transactions and default activation traps, prompting regulatory scrutiny and consumer complaints [1][5][10]. Summary by Relevant Sections User Authorization - The China Payment and Clearing Association emphasizes the need for strict identity verification during user authorization to prevent default activation of "no-password payment" services. It calls for clear confirmation of user intent and agreement to the service terms, especially for vulnerable groups like the elderly [3][4]. Merchant Risk Management - The association advises payment service providers to assess merchant risk based on their business operations and to set transaction limits for "no-password payment" to mitigate risks associated with high-risk merchants [3]. Transaction Monitoring - Enhanced transaction monitoring through risk modeling and big data analysis is recommended to identify and intercept unusual transaction patterns, thereby protecting users from potential financial losses [3][4]. User Rights Protection - Payment service providers are urged to establish efficient complaint handling processes and to offer easy cancellation options for users wishing to discontinue "no-password payment." Additionally, proactive communication regarding transaction details is recommended, particularly for elderly users [4][6]. Consumer Complaints - As of November 13, the number of complaints related to "no-password payment" has reached 54,900, highlighting issues such as unauthorized activation and unexpected charges. Many users report being unaware of their enrollment in such services until they notice deductions from their accounts [5][6][10]. Vulnerable Groups - Children and the elderly are identified as particularly vulnerable to the pitfalls of "no-password payment," with reports of unauthorized transactions occurring without parental consent or due to accidental activations [7][8]. Regulatory Attention - The potential risks associated with "no-password payment" have drawn significant attention from regulatory bodies, leading to calls for improved consumer protection measures and heightened awareness of the risks involved [10][11]. Recommendations for Consumers - Consumers are advised to adopt a cautious approach by disabling "no-password payment" features unless absolutely necessary, regularly reviewing their payment authorizations, and enhancing their account security measures [11].