电子支付遇争议？别慌，这份指南请收好→

Core Viewpoint - The rapid growth of electronic payment services in China has led to the establishment of a comprehensive regulatory framework aimed at protecting user rights and ensuring the healthy development of the industry. Group 1: Responsibility in Electronic Payments - In cases of unauthorized or erroneous electronic payments, the payment service provider is responsible for losses if the user is not at fault. If the user is at fault, such as through password leakage, they bear the loss [1] - Payment institutions must ensure proper authorization verification for transactions, including password and verification code checks, and must adhere to transaction limits to mitigate risks [2] Group 2: Modifying or Revoking Payment Instructions - Users can modify or revoke payment instructions for "ordinary" or "next-day" transactions before the funds are credited. However, for "real-time" transactions, direct revocation is not possible, but service providers must prompt users to confirm the accuracy of their instructions [3][4] Group 3: Dispute Resolution with Service Providers - Users have a sufficient time window to raise disputes, as transaction records must be retained for at least 10 years. Service providers are obligated to respond promptly to complaints and keep users informed of the progress [5][6] - The regulatory framework mandates that electronic payment service providers establish a non-litigious third-party dispute resolution mechanism and provide clear channels for users to file complaints [7]