行业资讯 | 为什么超市的扫码枪不用密码就能把钱扫走？
相信大家去超市买东西的时候都会使用支付宝或微信支付，只需要你把付款码给收银员，人家拿着扫码枪一扫就可以扣款了。
但是对于这种支付很多朋友都不解，平时我们在网上支付的时候都需要输入密码，但超市里面为什么可以直接扫码，而不需要输入密码呢？
这里面的原因主要是你已经开通了信用免密支付功能。
而且这项功能一般都是支付宝或者微信默认开通了，在你开通支付宝支付或者微信支付的时候，其实用户协议里面就有一项就是开通小额信用免密支付功能，只是大家可能没有注意而已。
目前支付宝微信免密支付额度都是1000块钱，也就是说，如果你向商家付款额度在1000元之内，你是可以不用支付密码就完成支付。
那为什么超市可以用扫码枪直接扫你的码把钱扣走呢？
其实超市这个扫码枪不是随随便便就可以开通的，他需要商户向支付宝或者微信支付申请，而且需要提交各种资料，然后支付宝或微信会对申请者的资料进行核实，筛选出符合资质的商家，经审核通过后签订代理协议。
签订代理协议之后，商家就可以直接用什么枪扫码扣钱。
其实这一过程跟我们使用现金差不多一个道理。比如我们使用现金向商家付款，其实也不用输入什么密码，只需要双方确认无误就可以了。
使用现金可以多退少补，而商家使用扫码枪扫码扣款其实也可以做到，比如商家多扣了用户的钱，那是可以申请支付宝退款的。
商家使用扫码枪扫码安全吗？
可能以为朋友会说，既然不用输入密码就可以扣款，那万一别人把自己的付款码打印出来，要拿去支付，自己岂不是损失大了？
其实这个担心是没有必要的，商家在扫码的时候，主要是依据条形码来收款，但是这个条形码每时每刻都不一样的，一分钟大概会变更几十次，也就说你当前展示的付款码，可能过了几秒钟就会失效。所以就算别人把当前的支付码打印下来也没有用。
如果你自己还不放心的话，可以手动把免密支付功能关闭掉，以后别人用扫码枪扫码扫描扣款的时候，你就可以手动输入密码确认支付。
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