免密支付“易开难关” 诱导开通、隐蔽扣费问题多

Core Viewpoint - The issue of difficulty in canceling "no-password payment" has gained market attention, with consumers expressing frustration over the hidden cancellation process and complicated steps involved [1][9]. Group 1: Consumer Complaints - Consumers report that activating "no-password payment" is often done with a single click, sometimes even defaulted, leading to unintentional activation [1][9]. - The cancellation process is cumbersome, requiring multiple page jumps and often prompting users to provide a reason for cancellation, which can discourage them from completing the process [3][9]. - Older consumers, such as a 60-year-old woman, have found the process particularly challenging, leading to confusion over purchases and payments [7][9]. Group 2: Complaints Statistics - Data from the Black Cat Complaint platform indicates that there were 16,122 complaints related to "no-password payment" in 2025, averaging 44 complaints per day, primarily concerning unintentional activation, unauthorized charges, and cancellation difficulties [9]. Group 3: Industry Practices - Some platforms are accused of implementing "friction design," simplifying the activation process while complicating cancellation to retain consumers and generate ongoing transaction revenue [9]. - The bundling of "no-password payment" with membership services and value-added services is seen as a tactic to exploit consumer inertia and limit their autonomy [9]. Group 4: Regulatory Response - The China Payment and Clearing Association has called for payment service providers to enhance security management for "no-password payment," emphasizing the need for clear user consent and information disclosure during activation [10]. - Recommendations include assessing the risk tolerance of elderly users and ensuring that core terms are prominently displayed to protect their rights [10].