The payment process of online merchant banks generally needs to be verified. According to the bank's security regulations and industry standards, there are usually multiple authentication measures in the payment process to ensure the security of payment and prevent fraud.

Specific verification methods may vary according to different situations, including but not limited to the following methods:

1. Login verification: Before the payment operation, the online merchant bank usually requires the user to enter the account name, password and possibly other identity information for login verification.

2. Payment password verification: the online merchant bank may set a payment password to confirm the payment operation. In the process of payment, users need to enter the correct payment password to complete the transaction.

3. SMS verification: In some payment scenarios, it will also be verified by sending SMS verification code, and users need to enter the correct verification code to continue payment.

4. Fingerprint or facial recognition: For devices that support biometric technology, online merchant banks may also support fingerprint or facial recognition for identity verification.

Generally speaking, online merchant banks will take various verification measures to ensure the security of payment and the security of users' funds. However, the specific verification method may be different according to different payment scenarios and user settings. Please pay attention to comply with the bank's payment security regulations and cooperate with the relevant verification steps. If you have any questions about a specific payment scenario, it is recommended that you directly consult the online merchant bank or refer to the relevant guide of its official channels.