Because Apple accounts need to choose secret-free payment when binding payment methods, users are equivalent to turning on the secret-free function when binding payment methods such as Alipay. You can cancel the function by the following steps: Apple phones log in to appstore, click App, and slide down to the bottom of the page; Click Bind Alipay, WeChat Pay or UnionPay Card to enter the account setting interface; Select None in the payment method list, and click Finish to successfully close the confidential payment function. You will soon receive a short message prompting the successful closing.

Secret-free and visa-free payment means that small payments can be completed without passwords and consumer signatures. Internationally, small secret-free visa-free payment is a mature payment method, which is also widely used in the domestic mobile payment field. Alipay, WeChat and other payment tools all have this function, which is the basic function of bank card opening by default.

2065438+On April 2, 2005, Huami Technology, the founder of Xiaomi Eco-chain and Mi Dai, announced that it had reached a strategic cooperation with Alipay to create a new generation of mobile payment scheme based on wearable devices, so as to provide users with a safer and more convenient payment experience.

From June, 2065438 1, the single limit of UnionPay's small confidential and visa-free payment business was raised from the previous 300 yuan to 1000 yuan. 2065438+In April, 2009, China UnionPay United Commercial Bank * * * launched a new round of notification service, providing small double exemption and one-button switching function.

Alipay's "payment code" function is turned on by default, and there is no need to verify the payment password. Every order less than or equal to 1000 yuan can be "confidential payment".

It is also stated in the WeChat payment user service agreement that when the payment code is used to pay the consumption below 1 0,000 yuan (3,000 yuan for a specific merchant), the "confidential payment" transaction can be used.

When paying for goods, if you find terms and options such as "I agree" and "authorize" on the page, you should browse carefully and don't authorize functions such as "confidential payment" easily.

When setting up "confidential payment", users should also consider the frequency and amount of consumption on this platform. For those platforms with low frequency of use or high average consumption, users should try not to open confidential payment.

Users should avoid using birthdays and mobile phone numbers as passwords to avoid being used by criminals.

When "confidential payment" is enabled, users should set the monthly limit or one-time payment limit of confidential payment to avoid expanding losses.

Unionpay United Bank has set up special compensation for cardholders and provided 72-hour card loss protection service. That is to say, for UnionPay cards (including "China UnionPay Express") below 1000 yuan, if the card is lost or stolen, the cardholder can get compensation for stolen consumption within 72 hours before reporting the loss, and each cardholder can pay a maximum of 30,000 yuan per year.