Question about Android pay security

I was looking into Android pay
Question

1)If your phone is unlocked and nfc is on and Google pay is set up you only have to tap at the checkout and I am not sure if you get prompted for fingerprint or not or if if just active when phones unlocked

2) if you use Android Visa checkout while logged on to Google on a PC website I don't believe it prompts you on your phone.

I think security could be improved if their was a prompt to use your finger print for each transaction it would be more...

Question about Android pay security

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