“不知情下被扣费两年多”，消费者吐槽免密支付，强监管来了

Core Viewpoint - The article discusses the growing prevalence of "no-password payment" systems in e-commerce and payment scenarios, highlighting both the convenience they offer and the risks associated with default activation that can infringe on consumer rights [2][3]. Group 1: Consumer Experience - Many consumers express frustration over being automatically enrolled in no-password payment systems without clear notification, leading to difficulties in opting out [3][4]. - The convenience of no-password payments is particularly noted in low-value transactions, where additional steps can deter purchases [3][4]. - Complaints have surfaced regarding unauthorized deductions from accounts due to unclear automatic renewal policies, with some consumers unaware of their enrollment in such services [4][5]. Group 2: Industry Response - The China Payment and Clearing Association has issued a call for improved security management of no-password payment services, urging payment service providers to eliminate default activation and enhance cancellation options [5][6]. - Recent regulatory changes aim to ensure that platforms clearly present options for no-password payments and provide easy cancellation methods, addressing long-standing issues of consumer rights violations [6][7]. - The new regulations are expected to create a more compliant operating environment, reducing disputes and encouraging platforms to focus on service optimization rather than aggressive marketing tactics [7][8]. Group 3: Future Implications - The tightening of compliance requirements is anticipated to enhance consumer protection, making it easier for users to manage their payment authorizations and reducing the risk of unauthorized charges [7]. - Platforms may need to adjust their operational processes in the short term, but the long-term benefits include improved consumer trust and a shift towards more ethical marketing practices [7][8].