It can be opened on China Merchants Bank online banking. The specific steps are as follows: Search the website for "China Merchants Bank official website", enter the official website, select "Personal Banking Public Edition/Professional Edition" under online banking to log in, and then select "Credit Card -Online payment - UnionPay online payment", you can activate the UnionPay cardless payment function. (Operating environment for the above steps: Computer model: Lenovo YOGAC740&&Lenovo Savior Y7000P; System version: Windows7&&Windows7; Software version: IE8.0.7600.16385&&IE8.0.7600.16385)