Preface
WeChat payment has become the most indispensable means of payment in daily life, it can be said that whether it is the elderly or children, as long as they go out, they definitely use WeChat payment.
Although many people say that WeChat is a chat software and is not a payment software, many people still choose WeChat payment because of its convenience.
It's just that with the development of Internet fraud, there are still many pitfalls in WeChat payment that need to be paid attention to, especially when paying, "I sweep you" and "you sweep me", which looks no different, but the door can be big, don't use it wrong!
Sources: All of the information stated in this article is based on reliable sources, and is detailed at the end of the article
There is a difference between WeChat Pay
When many people use WeChat to pay, they only pay attention to the final payment, and the money is paid correctly, but few people notice that there is a difference in the way of WeChat payment, and the most common is online shopping and offline physical store use.
Online shopping is relatively simple, it is to choose your favorite goods on the Internet to buy, and then choose WeChat payment when paying, and finally enter the password to pay, which completes a purchase, which is relatively simple.
Offline use is simpler, generally there are only two situations, one is a relatively small vendor, stall and the like, when buying something, the store provides a collection code, and the customer scans the code to make money, called "I scan you".
The other is a relatively large supermarket, or some large shopping malls, where the customer shows his payment code, and the merchant enters the price to be paid and then scans the code to pay, which is called "I scan you".
These two types don't seem to be particularly different, but in fact, they are far from being used, and if you are not careful, you will be cheated out of money.
You scan me, protect the code
The payment method of "you scan me", to put it bluntly, is to show your own payment code for others to scan the code.
The advantage of this is that there is no need to manually enter the amount, everything has been calculated on the machine, and in the end, you only need to show the payment code directly and scan it on the special machine to complete the payment.
It saves time, and there is no need to enter the amount by yourself, which avoids the input error of hand slipping.
However, there are still many disadvantages of using a payment code to pay.
First of all, one of the biggest drawbacks is that there is a high risk of someone "stealing the payment code".
In the past, when the design of WeChat payment was not very perfect, the payment code was easily stolen, as long as there was a photo of the payment code, you could scan the code to pay without restrictions.
As long as there is money in WeChat, you can keep scanning the code to pay until the money is spent.
In this case, it is also very difficult to defend the rights and get the money back, one does not know when the payment code was stolen, and the other does not know who stole it.
Even if you find the merchant from the payment records, it is not a simple matter to find the "suspect" in various surveillance, and basically it ends up in nothing.
And under normal circumstances, the amount of stolen money is not too huge, so it can't even meet the standard for filing a case, let alone being able to ask the police uncle to help administer justice, and in the end I can only suffer this dumb loss.
Nowadays, WeChat Pay has updated the payment code function, which needs to refresh the payment code in real time, but it is inevitable that someone will steal it by taking advantage of the time difference, so it is still necessary to prevent it from happening.
First of all, when opening the payment code, you should pay attention to the payment code not to be seen by others, and the most important thing is not to let others take a clear and complete photo of the payment code, so that if you can't take a complete photo, you won't worry about the phenomenon of theft.
In addition, don't be afraid if you are afraid that you can't prevent it, you can set up WeChat's payment function, and even if you scan the payment code to pay, you need to enter the password.
In this case, even if it is smuggling, there is no fear, because the other party has no password at all, and there is no way to enter the password, so there is no possibility of the money being stolen.
I'll scan you and see the code
Compared with paying with a payment code, scanning other people's payment codes by yourself is a riskier payment method, because this collection code is uncontrollable.
First of all, the most uncontrollable thing is that the payment code is likely not the merchant's own.
Presumably you have also seen the news, that is, someone replaced the merchant's collection code with their own, and in the end, the money did not go to the merchant's account, but it was all poured into the person's account.
For customers, the harm is not great, but for the merchant, this is a very serious problem, and it is even likely that it will not be discovered, and it will be a bit complicated to recover the money when the time comes.
However, this kind of is okay for customers, and the following one is the most troublesome for customers.
In many cases, there is nothing wrong with the payment code itself, but it is important whether the QR code is correct or not.
One of the most common types of telecom fraud in the past was to paste other payment codes on the collection code, which is not a serious thing, but a link with a virus installed.
As long as you scan it, personal information will be leaked, and it can even cause the money in WeChat and bank cards to be automatically transferred.
In this case, it is basically impossible to recover the money, because this link is generally virtual, and most of the accounts are overseas accounts.
If you want to recover, you need to find the network location first, and then detect this gang, not to mention that the virtual network location can't be found at all, even if you can find it, the money has already arrived in the overseas account, and you can't help but think you're unlucky.
It's fine if there is less money in WeChat, but if there is more money, then there is really nowhere to make sense.
There is no better way to avoid this situation, and the only way is to look at whether the collection code is normal at the time of payment.
As long as it is a collection code that has been manipulated, there are obvious shortcomings, after all, it is impossible for merchants to do this kind of thing, so take a closer look at the QR code to see the clues.
Don't worry when you pay, look at it, confirm that the other party's collection code is okay and then pay, when it comes to your own money, you can't be too careful.
In addition, many people will ignore this point and think that a few or dozens of dollars will not be a big problem with password-free payment, but in fact, it adds up to a lot, and a few dollars is hundreds or even thousands.
Many times we don't want to buy this thing at all, but when we accidentally click on the wrong thing when we see it, we are likely to buy it directly without password.
It's good if you can find it in time at this time, but if you can't find it, it's too late to deal with the goods when you want to deal with them.
In order to avoid this problem in advance, it is the best choice to turn off passwordless payment directly.
In addition to password-free payment, there is another payment method that is also best turned off!
There is a pay to be turned off
I believe that many of you here have opened the auto-renewal function. Xiaobian basically uses the apps that are all membership, and they are automatically renewed.
Slowly, the editor found that the auto-renewal made a lot of money, and it was a big expense later. The auto-renewal amount for each app is not much, so I don't care about it.
But with the increase in the number of APPs, Xiaobian saw that these automatic renewals are also an expense in a year, and the key is not much use.
And the automatic renewal is very silky when deducting the fee, and there are a few times when I have money in the card, and I want to run errands or buy things, and I find that there is no money when I pay.
After checking it, I found that it happened to be deducted for automatic renewal, resulting in things not being done or things not being bought. Therefore, it is recommended here that if you want to spend money wisely, don't get the auto-renewal service.
Author's point of view
In general, WeChat payment is actually very convenient, but it is inevitable that you will encounter some problems, so it is good to pay more attention when using it.
After all, no matter how secure the system is, there will still be loopholes that will be exploited by criminals, and the only way to do it is to be vigilant!
Sources of information:
1. Baidu Encyclopedia: WeChat payment
2. Xinhuanet: "WeChat Pay" was sued for infringement of the patent right of scanning code
Text: Xuanzang
Edited by Xuanzang