Operating environment:
Brand model: iPhone 13
System version: iOS 15.3. 1
Application version: v 10.2.56
Open Alipay, click My, and select the Settings icon in the upper right corner. Click Payment Settings, avoid secret payment/automatic deduction, find the merchant to cancel, close the service and confirm the cancellation.
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 "paid without confidentiality".
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.
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.
In terms of compensation, the principle of "full compensation for risks" is adopted. In order to reduce the security concerns of cardholders, UnionPay and commercial banks have set up special compensation for cardholders, providing a small double-exemption "all-risk compensation" service, which can cover the fraudulent losses suffered by cardholders.