If you use the tap-to-pay feature on your cell phone, the Better Business Bureau is warning of a new type of scam.
The BBB said scammers are using “ghost tapping” to secretly charge your payment method without you knowing. The bureau said Near Field Communication, the technology used in tap-to-pay, is generally safe, but scammers can exploit it in crowded spaces or distracting situations.
The BBB said scammers could use a variety of tactics:
Getting close in public spaces. Someone might bump into you while secretly charging your tap-enabled card or mobile wallet.
Pretending to be a vendor. At events, flea markets or festivals, fraudsters might set up fake stands and ask for tap payments.
Charity scams. They might request a small donation but actually charge your card for a much larger amount.
Rushing the process. Scammers count on you tapping without checking the business name or transaction amount.
The BBB said once scammers have your payment information, they might make small transactions to avoid detection.
The best way to avoid losing money is to review your financial accounts regularly and contact your bank as soon as you notice any suspicious activity.
Other ways to protect yourself include:
Using Radio Frequency Identification (RFID) protection. An RFID-blocking wallet or sleeve for your credit card can help stop wireless skimming.
Always confirming payment details. Before tapping your card or phone, check the merchant’s name and amount on the terminal screen. Don’t allow someone to rush you into a purchase before you’ve had time to review everything.
Keeping an eye on your accounts. Daily checks help you spot fraud faster. Look for charges from unfamiliar companies. Keep track of what subscriptions you have and when they typically charge you so you can spot outliers.
Setting up transaction alerts. Many banks allow real-time notifications for every charge.
Limit tap-to-pay use in high-risk areas. When in doubt, consider swiping or inserting your card instead.
If you are the victim of a scam, the BBB wants you to report it to the BBB Scam Tracker.
Source: WHAS11
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