中金支付“幽灵扣款”29.9元，你签“代扣协议”了吗？

Core Viewpoint - The article discusses the issue of "ghost deductions" associated with Zhongjin Payment, highlighting consumer complaints about unauthorized recurring charges and the company's response to these issues [5][6][25]. Group 1: Incident Overview - Users have reported unexpected deductions of fixed amounts (29.9 yuan or 39.9 yuan) from their bank accounts, attributed to Zhongjin Payment, without clear explanations for the charges [6][10]. - Many consumers discovered these deductions only after checking their bank statements, raising concerns about the transparency of the payment process [9][12]. - The customer service responses varied, initially denying refunds until users threatened to escalate complaints, indicating a lack of proactive communication from the company [12][13]. Group 2: Mechanism of "Ghost Deductions" - The phenomenon of "ghost deductions" is linked to users unknowingly signing "deduction agreements," allowing merchants to withdraw funds without further user confirmation [16]. - Unlike one-time payments that require user action, these agreements enable merchants to initiate deductions automatically, which can lead to unauthorized charges [17]. - The China Consumers Association has pointed out that some businesses exploit loopholes in small payment systems to facilitate these unauthorized deductions [18]. Group 3: Company Background - Zhongjin Payment, established in 2010, is a licensed internet payment institution that primarily facilitates corporate payments and does not directly initiate deductions [20][22]. - The company has seen significant growth, with transaction volumes exceeding 400 billion yuan in 2013 and reaching a trillion yuan by 2016, ranking fifth in the industry [23]. - In 2023, the company was acquired by Guangdian Yuntong, which now holds 90.01% of its shares, indicating a shift in ownership and potential strategic direction [23][24]. Group 4: Regulatory Changes - New regulations were introduced in December 2025, requiring platforms to notify users of upcoming deductions clearly, which aims to eliminate unauthorized charges in the future [18].