When initiating a password-free payment, it will automatically determine whether Alipay or ChengE Credit has opened a password-free payment, and initiate a deduction. Priority is given to initiating automatic deductions from Cheng E. If this fails, automatic deductions from Alipay will be attempted. The error code currently returned by this interface is unknown. After failure to initiate a deduction, it is recommended to retry 3 times and not to retry indefinitely.