WeChat and Alipay have passwords, so why can a barcode scanner take away money directly?

How long has it been since you went to the bank to withdraw pocket money?

Have you ever calculated how many times you scan a QR code in a day?

When you go out, do you still feel anxious because you forget to bring your wallet?

The answer is self-evident. Our lives have been changed by a mobile phone, countless apps, and QR codes posted on various occasions.

Mobile payment is becoming more and more convenient and intelligent, but have you ever thought about why, when checking out, you don’t need a password, but just a “beep” from the barcode scanner and the money is transferred away!

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Why doesn’t the “barcode scanning gun” require a password?

The supermarket's "barcode scanning gun" can directly scan the code to pay without password verification, because it has signed a "password-free payment" agreement with the official WeChat Pay, so payment can be successful.

However, when presenting the "payment code", you do not need to enter a password. That's because we have enabled the "payment code without password" function.

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This function is usually enabled by default in Alipay or WeChat. When you activate Alipay or WeChat payment, there is actually an item in the user agreement to enable the small-amount credit payment function without password, but you may not have noticed it.

Currently, the payment limit for Alipay and WeChat without a password is 1,000 yuan. That is to say, if the payment amount to a merchant is within 1,000 yuan, you can complete the payment without a payment password.

Password-free payment does bring us convenience, but some of the apps we download contain hidden tricks, and password-free payment is inadvertently enabled “by default” when used.

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If you don't want to enable password-free payment, it is very easy to turn off this function. It only takes a few steps.

WeChat closes password-free payment:

Open your WeChat, click [Payment] on your personal homepage, enter the payment, and click the [three dots] in the upper right corner.

After clicking [Deduction Service], you can see the items that have been signed for automatic deduction below, click to enter the project details, and click [Close Service] at the bottom. After a pop-up window prompt appears, confirm it and you can close the signed item.

Alipay closes password-free payment:

After opening [Alipay], click the [Me] option at the bottom, then click [Settings] in the upper right corner, and finally click [Payment Settings].

At this time, we will see the [Password-free payment/automatic deduction] option. After clicking on it, you can clearly see the password-free payment service that your account has signed up for. You can turn off the corresponding service according to your needs.

Kind tips

01. The "password-free payment" function allows users to complete payment without entering a password. There is a risk of stolen credit cards and fraud. Do not authorize this function lightly.

02. After enabling password-free payment, try to keep your mobile phone and bank card with you at all times, and do not tell others your account and identity information. Set your mobile phone to a lock screen password or unlock it with gestures or fingerprints to buy time for subsequent remedial measures after the phone is lost.

03. Set a daily limit or a single payment limit for your bank card to avoid further losses in the event of an accident.

04. Once your mobile phone is lost or you receive a text message discovering that your mobile phone has been stolen, please report the loss immediately and call the Yaoyaoling police.

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Technology is always advancing. Although there are risks in password-free payment, not most people have experienced credit card fraud. We can minimize the risks in various ways. At the same time, we also look forward to the arrival of new payment methods to make payment more convenient and safer.