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 reporting that it is easy to activate but challenging to deactivate [1][9]. Group 1: Consumer Complaints - Consumers have expressed frustration over the hidden and complicated process of canceling "no-password payment," often requiring multiple steps to complete [1][9]. - A significant number of complaints have been recorded, with 16,122 complaints related to "no-password payment" in 2025, averaging 44 complaints per day, primarily concerning unintentional activation and difficult cancellation [9]. Group 2: User Experience Challenges - The activation of "no-password payment" can occur with a single click, often with default settings that consumers may overlook, while the cancellation process involves navigating through several pages [1][9]. - Older consumers, such as a 60-year-old woman, have reported confusion and difficulty in managing payments due to the automatic deduction feature associated with "no-password payment" [7][9]. Group 3: Industry Practices - Some platforms are accused of implementing "friction design" to complicate the cancellation process, thereby encouraging consumers to remain subscribed and generate ongoing revenue for the platforms [9]. - The Chinese 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 [10].