Alipay APP insurance trap, financial trap, etc. If you are not careful, you will deduct a lot of money every month. Is Alipay so wicked?

Recently, the news that Ms. Liu from Hangzhou, Zhejiang complained about the automatic renewal of an APP has aroused widespread concern. This kind of incident is not the first time, but it has become a chronic disease because of repeated prohibitions and deep suffering. Some people have only been a member for one month, and they will automatically renew their membership in the second month; Someone turned off the automatic renewal before the membership expired, and the fee was still deducted; Someone tried the membership for free for 30 days, but it was renewed for two years. ...

According to the Research Report on Internet Consumption Complaints of Internet Users in China released on March 15 this year, 34.2% of the total complaints are about "unknown deduction of fees" from accounts, and most of them are automatically renewed by default.

There are many routines, and if you are not careful, you will step on the pit.

The farthest way users have traveled is probably the routine of automatic renewal of APP. From seducing you to "not letting you cancel", there are many kinds of tricks that can't be prevented.

Routine 1: "Free trial" is not free.

Some apps will attract users with huge words such as "free trial" and "1 experience 7-day membership for money", but with relatively small font size and shallow font, the words that the subscription will be automatically renewed will be fooled if you are not careful.

Routine 2: "automatic renewal" becomes the default.

Many apps set automatic renewal as the default check state, and some even set automatic renewal as the only option, which can only be selected for continuous monthly subscription and annual subscription, and no separate purchase is provided.

Routine 3: The way to cancel is hidden deeply.

Although most platforms indicate that they can cancel automatic renewal at any time, they secretly set a stumbling block for users in the way of cancellation, making the unsubscribe procedure extremely complicated and making it easier for users to open and cancel.

Illegal infringement, but also repeated prohibitions.

The E-commerce Law, which came into effect on June 65, 438+09 +438+01October 65, stipulates that tying goods or services by e-commerce operators should remind consumers in a conspicuous way that tying goods or services should not be taken as an option of default consent; In violation of the provisions of this article, the market supervision and management department shall order it to make corrections within a time limit, confiscate its illegal income, and may impose a fine of not less than 50,000 yuan but not more than 200,000 yuan; If the circumstances are serious, a fine of not less than 200,000 yuan but not more than 500,000 yuan shall be imposed.

Legal experts also said that the default check of APP and forcing users to agree to automatic renewal are suspected of infringing consumers' right to know and fair trade.

Since there is a clear ban, why is it still repeated? On the one hand, the punishment is not enough. In 20 17 years, the number of video paying users in China has exceeded 10 billion, and the automatic renewal fee is about 10 yuan per person per month. The interest space is huge, and the crime cost is low. Some platforms have begun to think wrong.

On the other hand, the rules are not detailed enough. For example, the e-commerce law stipulates that "consumers' attention should be attracted in a conspicuous way", but there is no specific requirement for how to be "conspicuous", which gives smart businesses an opportunity and exploits loopholes.

How to avoid "automatic renewal"?

1. Read the user agreement carefully and buy carefully.

Most people don't read the lengthy user agreement completely, and Aauto Quicker agreed to renew the fee automatically without knowing it, which gave the unscrupulous merchants the opportunity and reason to refuse to refund the fee. Reading the user agreement carefully can avoid most automatic renewal traps.

2. Cancel the automatic renewal as soon as possible after payment.

If you really can't resist the temptation of discount, agree to the automatic renewal clause and remember to cancel it in time before the next deduction. If you are worried about forgetting to cancel, you can cancel the automatic renewal immediately after payment. However, some users report that the cancellation interface of some apps is very difficult to find, and some even continue to deduct fees after cancellation. This method is not safe.

3. Always check the confidential payment list and cancel the authorization in time.

If the fees are paid through payment platforms such as WeChat and Alipay, canceling the authorization of APP on these platforms can avoid some automatic deductions. At present, the operating mode of WeChat is "I-pay-automatic deduction in the upper right corner". Just select the item that needs to be cancelled and stop using it. Alipay's operation mode is "My-Settings-Payment Settings-Confidential Payment/Automatic Deduction", which is also to select the items to be cancelled and close the service.

Users of the iOS system can also unsubscribe from the Apple ID. The specific operation is "Settings -iTunes Store and App Store-Apple ID- View Apple ID- Subscribe", and select the subscription service that needs to be cancelled. If there is no "Subscribe" option, you are not subscribed to related services.

4. Give priority to bank card payment.

After 2065438+June 30th, 2008, the bank closed all the third-party payment withholding, and the automatic renewal business in WeChat and Alipay could not be directly deducted from the bank card, but the balance and flowers were not affected.

5. Pay attention to SMS.

Some apps will notify users by SMS before deducting fees. Don't ignore them as spam messages.

Of course, the most effective way is the self-discipline of merchants. Playing routines may be profitable in the short term, but routines are by no means a smooth road to enterprise development.