「关不掉」的免密支付，肥了平台的钱包？

Core Viewpoint - The article discusses the risks associated with the "no-password payment" feature, which has gained attention due to user complaints about unauthorized charges and the ease of accidental activation of this feature on various platforms [4][5][6]. Summary by Sections User Complaints and Risks - Many users have reported unauthorized charges after unknowingly activating the no-password payment feature, with amounts ranging from thousands to tens of thousands of yuan [5][8]. - The feature is particularly concerning for vulnerable groups such as children and the elderly, who may activate it without understanding the implications [8][10]. - A significant number of complaints (64,000) have been filed regarding no-password payments, with users describing it as a "霸王条款" (unfair clause) that is difficult to cancel [8][10]. User Experience and Activation Process - The activation process for no-password payments is often simplified to a single click, while the cancellation process can require multiple steps, making it cumbersome for users [12][15]. - Platforms like WeChat and Taobao have been criticized for not providing clear notifications about the activation of no-password payments, leading to unintentional subscriptions and charges [12][15]. Financial Impact on Businesses - Research indicates that no-password payment users tend to spend 18% more, but the return rate has increased by 40%, suggesting that while it facilitates purchases, it may also lead to impulsive buying [18]. - Some major platforms have reportedly generated over 10 billion yuan in additional revenue due to the default activation of no-password payment features [19]. Regulatory Environment - Existing regulations require businesses to clearly inform consumers about automatic renewals and no-password payments, but many platforms do not comply [21][22]. - Users face significant challenges in seeking accountability from platforms when unauthorized charges occur, as platforms often cite user consent as a defense [22][23]. Recommendations for Improvement - The article emphasizes the need for platforms to respect consumer autonomy in payment processes and to enhance risk management measures to prevent unauthorized transactions [23].