Core Viewpoint - The article highlights the risks associated with the default activation of the no-password payment feature, which has become a new avenue for fraudsters, undermining consumer rights and market trust [1] Group 1: Consumer Rights and Experience - The no-password payment feature, intended for convenience and security, has instead created opportunities for fraud, leading to financial losses for consumers [1] - Users face difficulties in disabling the no-password payment option, as the process is often hidden within multiple app menus, contrasting sharply with the ease of activation [1] - The experience of disabling the feature is complicated by prompts questioning the user's decision, which can deter them from opting out [1] Group 2: Regulatory and Design Recommendations - Companies are urged to integrate user rights into product design, ensuring that the activation process respects consumer choice [1] - Regulatory bodies should enhance oversight of the no-password payment process, focusing on identifying and addressing platform vulnerabilities and improper practices [1] - The article emphasizes that technological convenience should not compromise user safety or lead to deceptive practices [1]

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].

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].

"免密支付"大幅缩短了交易时间，给消费者带来了便捷的支付体验。但同时，也可能被不法分子利用， 形成新的诈骗套路。 免密支付引来盗刷骗局 前不久，湖北武汉的向女士在网上看到有人在售卖一家知名商店会员服务，要价仅几十元，于是就下了 单。但向女士的手机账号ID和密码由此被他人冒用，绑定手机应用商店支付功能的账户瞬间被盗刷。 钱被不法分子充值到游戏账号里，连刷4笔，一共是2592元。 免密支付除有盗刷风险之外，诱导开通、取消困难等问题同样广受诟病。据黑猫投诉 【下载黑猫投诉 客户端】数据显示，2025年涉及"免密支付"投诉16122条。投诉内容涉及在不知情情况下被开通免密支 付、乱扣费及盗刷等。 法律专家表示，网络商家诱导开通免密支付可能涉嫌违法。中国政法大学副教授朱巍认为，大量免密支 付开通都是伴随着短剧解锁、游戏解锁、赠送相关服务或小礼品的方式来开通的。这种方式违反商业伦 理，一旦出现手机遗失、账号遗漏等情况，可能会导致不必要的损失。 调查中，记者注意到，要想关闭一些App已开通的免密支付功能非常麻烦。如关闭相关应用的免密支付 功能：微信需跳转七次界面，抖音和支付宝各需跳转六次。在不考虑误操作的情况下，想关闭一款 ...

Group 1 - The process of disabling "no-password payment" is complicated, requiring multiple steps across different applications [1][3] - In the case of WeChat, it takes seven interface transitions to disable the feature, while Douyin and Alipay each require six transitions [1] - Disabling the no-password payment for a cycling app linked to Alipay involves nine steps, including navigating through various settings and confirming the closure [3][5] Group 2 - Users are prompted with a question about their reason for disabling the service, which adds to the complexity of the process [3] - The interface design includes a "reconsider" button that is prominently displayed, potentially discouraging users from completing the closure [3] - The overall user experience indicates a significant barrier to disabling no-password payment features, raising concerns about user security and ease of use [5]

Core Insights - The rapid development and widespread adoption of mobile payment technology, particularly "no-password payment," has simplified transaction processes but also created new opportunities for fraud [1][2] - Consumers have reported numerous incidents of unauthorized transactions linked to no-password payment features, often initiated through misleading advertisements or promotions [2][3] Group 1: Consumer Experiences - A case study involving a consumer named Ms. Xiang highlights the risks associated with sharing Apple ID and password, leading to unauthorized charges totaling 2,592 yuan [1] - Many consumers have experienced similar fraud, particularly when purchasing low-cost membership services or vouchers, with a significant number of complaints related to Apple ID theft [1][2] - Data from the "Black Cat Complaints" platform indicates over 1,000 complaints regarding Apple ID theft, with funds often used for in-app purchases that are difficult to recover [1] Group 2: Issues with No-Password Payment - The convenience of no-password payment has led to consumer complaints about being unknowingly enrolled in these services, resulting in unexpected charges [2] - In 2025, there were 16,122 complaints related to no-password payments, averaging 44 complaints per day, highlighting the prevalence of issues such as unauthorized activation and random deductions [2] - Consumers have reported that the activation of no-password payment often occurs during promotional activities, while the process to deactivate these features is cumbersome and not user-friendly [2][3] Group 3: Recommendations for Improvement - There is a call for payment platforms and application providers to prioritize user consent and security, advocating for simpler cancellation processes to enhance consumer protection [3] - Current procedures for disabling no-password payment features require multiple navigation steps across different platforms, which complicates the user experience [3]

Core Viewpoint - The article discusses the growing prevalence of "no-password payment" systems in e-commerce and payment scenarios, highlighting both the convenience they offer and the risks associated with default activation that can infringe on consumer rights [2][3]. Group 1: Consumer Experience - Many consumers express frustration over being automatically enrolled in no-password payment systems without clear notification, leading to difficulties in opting out [3][4]. - The convenience of no-password payments is particularly noted in low-value transactions, where additional steps can deter purchases [3][4]. - Complaints have surfaced regarding unauthorized deductions from accounts due to unclear automatic renewal policies, with some consumers unaware of their enrollment in such services [4][5]. Group 2: Industry Response - The China Payment and Clearing Association has issued a call for improved security management of no-password payment services, urging payment service providers to eliminate default activation and enhance cancellation options [5][6]. - Recent regulatory changes aim to ensure that platforms clearly present options for no-password payments and provide easy cancellation methods, addressing long-standing issues of consumer rights violations [6][7]. - The new regulations are expected to create a more compliant operating environment, reducing disputes and encouraging platforms to focus on service optimization rather than aggressive marketing tactics [7][8]. Group 3: Future Implications - The tightening of compliance requirements is anticipated to enhance consumer protection, making it easier for users to manage their payment authorizations and reducing the risk of unauthorized charges [7]. - Platforms may need to adjust their operational processes in the short term, but the long-term benefits include improved consumer trust and a shift towards more ethical marketing practices [7][8].

Core Viewpoint - The article highlights the risks associated with "no-password payment" and "buy now, pay later" services, which, while convenient, can lead to unintended financial consequences for consumers, particularly vulnerable groups like the elderly and minors [1][2] Group 1: Consumer Experiences - A case study of a consumer whose elderly mother unknowingly activated a no-password payment feature, leading to over 100,000 yuan in unauthorized expenses [1] - Instances of minors using their parents' accounts for unauthorized purchases through no-password payment features, resulting in significant financial losses [1] - Consumers reporting unexpected automatic orders due to the "buy now, pay later" feature, raising concerns about transparency and user awareness [1] Group 2: Industry Response and Recommendations - The China Payment and Clearing Association issued an initiative to enhance the security management of no-password payment services, urging payment service providers to avoid default activation and improve user awareness [1] - Experts recommend that payment service providers implement stronger reminders and simplify the process for users to deactivate these features, ensuring that consumers are fully informed of the risks [1][2] - Legal experts emphasize the need for regulatory bodies to establish clear guidelines for the activation and deactivation of these payment services to protect consumer rights [1][2]

Core Viewpoint - The release of the "Internet Platform Pricing Behavior Rules" marks a significant step towards institutionalizing and refining price governance in China's platform economy, aiming to protect the rights of consumers and operators while promoting a healthy market environment [3]. Group 1: Regulatory Framework - The "Behavior Rules" aim to establish a regular pricing supervision mechanism for internet platforms, standardizing pricing behaviors to protect the legitimate rights and interests of consumers and operators [1]. - The rules were developed after public consultation from August 23 to September 22, with modifications made to enhance transparency and collaboration among stakeholders [2]. Group 2: Key Provisions - The rules specify that platform operators must respect the pricing autonomy of platform operators, prohibiting unreasonable restrictions on pricing behaviors [4]. - The rules require clear pricing practices, including the disclosure of dynamic pricing and promotional rules, to ensure transparency in pricing [4]. - The rules prohibit unfair pricing practices such as predatory pricing, price discrimination, and price collusion, aiming to maintain a fair competitive order [4]. Group 3: Consumer Protection - The rules mandate that operators provide clear options for automatic payments and subscriptions, ensuring consumers are adequately informed and can easily cancel such services [5]. - The rules address issues like "big data price discrimination" by requiring the disclosure of algorithm rules and prohibiting unjustified price variations for the same transaction [5]. Group 4: Implementation and Compliance - The "Behavior Rules" will take effect on April 10 of the following year, with platforms required to conduct self-assessments against the regulatory requirements before implementation [6]. - Platform operators are urged to refine their internal compliance systems in line with the new rules, particularly regarding consumer rights and pricing autonomy [7]. Group 5: Collaborative Governance - Effective implementation of the rules requires collaboration among government, platforms, industries, and society, with a focus on enhancing operational policies and internal compliance [8]. - Industry associations are encouraged to play a role in establishing standards and facilitating self-regulation within the sector [8].

Core Viewpoint - The new "Internet Platform Pricing Behavior Rules" issued by the National Development and Reform Commission aims to regulate pricing behaviors on platforms, particularly focusing on consumer rights protection regarding automatic payments and no-password payments, effective from April 10, 2026 [1][2][5]. Group 1: Regulation Details - The "Behavior Rules" consist of 7 chapters and 29 articles, detailing restrictions on pricing behaviors, including clear pricing, and standards for identifying improper pricing behaviors [2][3]. - The rules emphasize that platform operators must notify consumers of payment times, amounts, and cancellation methods in a prominent manner before each automatic payment [3][4]. - The rules aim to ensure that no-password payment services and automatic renewals are presented clearly to consumers, allowing them to easily cancel these services [2][3][5]. Group 2: Consumer Protection - The rules enhance consumer rights by ensuring that consumers are informed about the use of no-password payments and automatic deductions, thus preventing unauthorized charges [6][5]. - Analysts believe that the regulations will help eliminate misleading practices in the industry, ensuring that consumers have the right to know and choose regarding their payment options [3][6]. - The implementation of these rules is expected to foster a healthier competitive environment in the internet platform sector, moving away from exploitative marketing tactics towards improved service experiences [6][5]. Group 3: Industry Impact - The introduction of these rules signals a shift towards more refined and regularized price regulation in the platform economy, addressing long-standing issues related to consumer exploitation [3][4]. - Industry experts suggest that while platforms may face challenges in adjusting their operational processes to comply with the new rules, the long-term benefits include reduced complaints and enhanced consumer trust [6][5]. - The rules are seen as a necessary step to ensure that the convenience of no-password payments does not come at the expense of consumer rights, promoting a more transparent and fair marketplace [5][6].