20 18. Small secret-free and visa-free payment means that small payment can be completed without password and consumer signature. In the world, small-sum secret-free visa exemption is a mature payment method, which is also widely used in the domestic mobile payment field, and is the basic function of bank card default opening. From June 2065438 1, the single limit of unionpay's small confidential and visa-free payment business was raised to 1000 yuan.