It mainly depends on the settings when you open the card. If it is set to password consumption, you need to enter a password to confirm payment. If it is not set, you can pay directly without entering a password. If password payment is set, the bank will refuse to pay compensation on the grounds that you have leaked the secret in case of security problems in fund payment.
My personal suggestion is that it is safer to set a password to pay. You can log in to online banking or call the customer service hotline to make changes.