当下免密支付消费场景几乎涵盖了衣食住行。其通过简化支付流程，提升了用户的支付体验，但也引发 了大量消费纠纷。 中国消费者协会11月7日披露的2025年第三季度全国消协组织受理消费者投诉信息显示，自动续费乱象 屡禁不止，相关投诉量持续攀升。 一些消费者在使用免密支付时，掉入商家的跳转消费陷阱，甚至遭遇盗刷，后续维权困难重重。 -1- 跳转链接误购高价商品 消费者维权难 消费者小吴投诉称，6月1日凌晨3点多，他想购买某视频平台新爱体育直播间欧冠决赛的在线观看券。 当时直播间显示的是18元单场比赛的链接，他点击链接下意识免密支付后才发现被扣费199元。原来， 点进去的链接自动选择了199元的24/25欧冠赛季通（含52场比赛），而他想要购买的18元比赛直播被放 在了第二项，需要手动选择。 "18块钱的购买链接点进去却是另一个付款选项，这明显不符合我的真实意图，属于诱导消费和虚假宣 传。"小吴说。 点击18元的链接，却被跳转勾选了199元的套餐。 消费者投诉截图。 记者注意到，2025年6月1日是24/25欧冠赛季的决赛日。也就是说，在此之前的各场欧冠比赛都已结束 直播。然而，视频平台在收到投诉后表示，付费直播门票详 ...

Core Viewpoint - The discussion around personal data authorization and automatic payment features on platforms like Alipay has gained significant attention, highlighting the risks of unintentional data sharing and financial deductions [1][4]. Group 1: Personal Data Authorization - Users are often unaware of the extent of personal information they have authorized third-party applications to access, with some individuals discovering they had authorized up to 121 items, including sensitive information like names and ID numbers [4][5]. - The trend of granting permissions has been ongoing since at least 2015, leading to a growing list of authorizations that can result in privacy concerns and unwanted solicitations [2][4]. Group 2: Automatic Payment Features - Many users have reported unexpected automatic payments, with some discovering new agreements for automatic deductions that they were not aware of, such as video membership renewals and other subscription services [5][10]. - The importance of regularly checking and managing automatic payment settings is emphasized, as users may inadvertently incur charges for services they no longer use or were unaware they had signed up for [7][14]. Group 3: Consumer Awareness and Recommendations - Consumers are encouraged to periodically review their authorization settings and automatic payment agreements to mitigate risks associated with unauthorized deductions [7][15]. - Specific steps for managing account authorizations on Alipay are provided, suggesting users actively engage in monitoring their financial commitments [9][10].