Operating environment:
Brand model: iPhone 13
System version: iOS 15.3. 1
Application version: v 10.2.56
1. Open Alipay in your mobile phone, enter the home page, click My Options in the lower right corner, and then click the Settings button in the upper right corner of my page.
2. After entering the setting page, click the payment setting option, and then click the confidential payment/automatic deduction option at the bottom of the payment setting page.
3. After jumping to the confidential payment/automatic deduction page, select the signing service that supports setting the monthly limit below. Jump to the service details page and click the monthly limit option below.
4. Enter the line selection page, select the line you want to set below, and then click the confirm button below.
Click OK to modify the monthly limit of confidential payment.
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.
Dong Ximiao, a senior researcher at Chongyang Financial Research Institute of Renmin University of China, believes that UnionPay's small-scale confidentiality has a high safety factor and adopts many advanced security technologies, which can effectively control risks and better balance safety and convenience. It turns out that the mobile payment products provided by UnionPay and banks pay more attention to security and have certain sacrifices in convenience. After increasing the amount, they can better balance safety and convenience.
A payment industry expert also said that for consumers, Alipay and WeChat have similar fast payment functions. As long as the risk prevention and control measures are in place, you can use them with confidence.
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.