Do I have to confirm every online payment?

Not exactly. There will also be online payments that do not require additional confirmation steps, determined based on your payment history, depending on:

➤⠀payment behavior; 

➤⠀the sites where the payments were made; 

➤⠀if there are recurring payments, meaning subscriptions or of small value.

This analysis can be performed by the bank or by the merchant.

For example, you pay bills month after month to the same supplier or you are a loyal buyer on a certain website, where the merchant has defined a profile of you.

There will be continuous improvements to these analyses, so situations where you will not be required to strictly authenticate will also increase. 😃