Scammers are exploiting wireless technology in a new scheme called ghost tapping, targeting users of tap-to-pay systems to drain their accounts through unnoticed transactions.
A new scam known as ghost tapping is gaining traction across the United States, prompting warnings from the Better Business Bureau (BBB). This tactic involves scammers using wireless technology to withdraw money from unsuspecting victims who utilize tap-to-pay credit cards and mobile wallets.
Ghost tapping exploits near-field communication (NFC) devices that mimic legitimate tap-to-pay systems. In crowded environments such as festivals, markets, or public transportation, scammers can move close enough to a victim’s wallet or phone to trigger a transaction without their knowledge.
According to the BBB, some scammers pose as charity vendors or market sellers who only accept tap payments. Once a victim taps their card or phone, they may find themselves charged significantly more than the agreed amount. The initial withdrawals are often small, making them easy to overlook until the cumulative total becomes alarming.
A Missouri resident recently reported losing $100 after interacting with an individual carrying a handheld card reader. The BBB Scam Tracker has documented numerous similar incidents nationwide, with losses sometimes exceeding $1,000.
Officials caution that scammers may pressure victims to complete payments quickly, preventing them from verifying the transaction amount or the merchant’s name. Some scammers even possess portable readers capable of picking up signals through thin wallets or purses.
While the threat of ghost tapping is concerning, there are several protective measures individuals can take to safeguard themselves. Investing in an RFID-blocking wallet or card sleeve can create a physical barrier between your card and potential scanners. These affordable tools are designed to prevent unauthorized access to your card information through clothing, bags, or wallets.
Before tapping your card or phone, always check the merchant name and transaction amount displayed on the payment terminal. Scammers often rush victims to avoid scrutiny, so taking an extra moment to confirm the details can be crucial. If anything seems amiss, cancel the transaction immediately.
Enabling instant transaction alerts from your bank or credit card provider is another effective way to protect yourself. These alerts notify you the moment a payment is made, allowing you to quickly identify any unauthorized activity. Early detection can prevent further charges and simplify the process of disputing fraudulent transactions.
In addition to these measures, individuals should regularly monitor their financial accounts. Checking your transactions at least once a week can help you spot any suspicious activity early. Even small, unexplained charges could indicate a larger issue.
Most mobile wallet applications offer security features such as PINs, facial recognition, or fingerprint verification before authorizing a transaction. Ensure these protections are enabled to add an additional layer of security against unauthorized payments.
Keeping your smartphone’s software and mobile wallet apps up to date is also essential. Updates often include security patches designed to protect against newly discovered vulnerabilities that scammers may exploit. Outdated software can leave your data exposed to potential threats.
To further enhance your security, consider using strong antivirus software. This can help protect your device from hidden threats, including malicious apps and spyware that could compromise your tap-to-pay data or record sensitive information.
While the convenience of storing multiple cards in a single mobile wallet is appealing, it can increase your exposure if your phone is compromised. To mitigate this risk, keep only the cards you use most frequently connected to your mobile wallet, reducing the potential impact of any fraudulent activity.
If you suspect you have fallen victim to ghost tapping or notice any unusual charges, contact your bank immediately. Additionally, report the scam to the BBB Scam Tracker. Taking prompt action can help prevent further losses and assist authorities in identifying emerging scam trends.
As contactless payment methods become increasingly popular, scammers are developing more sophisticated tactics. Staying informed and vigilant is essential to protecting your finances. Simple steps, such as regularly checking your transaction history and using protective gear, can significantly reduce your risk of falling victim to scams like ghost tapping.
Will you continue using tap-to-pay methods after learning about ghost tapping, or will you revert to more traditional payment options? Share your thoughts with us at Cyberguy.com.
Source: Original article