Alipay itself is safe, but whether it is safe to use depends on user operations. 1. Alipay has multiple security mechanisms such as separation of login password and payment password, fingerprint/face recognition, off-site login reminder, account security insurance, etc. It is recommended to enable all available verification methods. 2. During use, you should pay attention to avoid common risk points such as payment under public WiFi, clicking unknown links or QR codes, arbitrarily authorizing third-party permissions, and not setting payment limits. 3. If it is stolen, you should immediately modify your password, check the family card and deduction items, contact Alipay customer service to freeze your account, apply for compensation and call the police according to the situation. The Alipay risk control system responds quickly and promptly dealing can increase the possibility of recovering losses.

Is Alipay safe to use? Overall, Alipay itself is safe , but whether it is safe enough depends on how you use it.

As one of the most widely used mobile payment tools in China, Alipay has put a lot of effort into security protection. However, no matter how safe the platform is, it cannot withstand improper operation or being attacked by phishing. Therefore, it is important to figure out what protection mechanisms it has and how to avoid traps.

1. Security mechanism of Alipay account

Alipay has built-in multiple security measures, such as:

• Login password Payment password separation : This is the most basic line of defense. The login password is used to enter the account, and the payment password is used to transfer money and spend. Separation of the two can reduce the risk of theft.
• Fingerprint/face recognition login : Convenient and improve security, because biometrics are harder to forge than simply entering passwords.
• Reminder for off-site login : Once someone tries to log in to your account from a strange device or location, the system will send a notification or even a SMS verification code to verify.
• Account Security Insurance : If your account is really stolen and causes losses, Alipay has an insurance compensation mechanism, provided that it is reported in a timely manner and meets the conditions.

Suggestion: Turn on all security verification methods that you can enable, especially after binding your phone and email, don’t feel it’s troublesome.

2. Risk points that are easy to ignore during use

Although Alipay itself is safe, many "inaccuracies" are actually because the user does not pay attention to the following points:

• Pay at will under public WiFi : Hackers may steal information through man-in-the-middle attacks, and it is recommended to use traffic as much as possible when paying.
• Click on unknown links or QR codes : Scammers often disguise themselves as customer service or merchants, inducing you to enter your account password or scan the code.
• Authorize third-party application permissions at will : Some apps request to read the clipboard or access the address book, and carefully confirm whether it is reasonable.
• No limit : Many people do not set single or daily limit when setting payments, and the losses will be greater once they are stolen.

For example: Some people receive a call from themselves "Alipay customer service" saying that your account is abnormal and needs to cooperate with the operation. In this case, don’t believe it, just hang up and verify through official channels.

3. What should I do if I get stolen?

What should I do if I really find an abnormal account, such as an inexplicable amount of extra expenses that you don’t remember?

• Change your login and payment password now
• Check whether there are new family cards or deduction items
• Call Alipay customer service number 95188 to apply for freezing of the account and initiate an investigation
• Apply for compensation from the platform (if the insurance conditions are met)
• Call the alarm if necessary

Alipay’s risk control system responds faster. The earlier it is discovered, the greater the possibility of recovery.

Basically that's it. Alipay's own security system is mature, but the user's own awareness of prevention is equally important. Don’t think that “it won’t be my turn”, many small habits can avoid big problems.

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