Hi
@atanasuzunov Thank you for reaching out!
All payments actually require that your phone be unlocked. Only "smaller payments" can be made without unlocking the phone, but that is dependent on your region. Also, the option "Require unlock..." is only present on a certain brand of mobile devices, and not usually present on other Android devices.
You can also refer to the Google support page for more info on this:
Set up screen lock for tap to pay transactions - Google Wallet HelpThank you!