A new scam called ghost tapping is spreading across the nation as scammers exploit near-field communication (NFC) technology to siphon funds from tap-to-pay users. The Better Business Bureau (BBB) is warning of this tactic, as scammers mimic legitimate payment systems in crowded locations like festivals, public transport, and markets, often posing as charity vendors or market sellers who only accept tap payments. These small, unnoticed transactions can drain accounts without the victim’s awareness, often going undetected by fraud systems until significant losses occur.
Scammers use NFC devices that mimic legitimate tap-to-pay systems, allowing them to trigger payments without the victim’s knowledge. In busy environments such as festivals, markets, or public transportation, they move close enough to a wallet or phone to initiate a transaction. The BBB reports that some scammers pose as charity vendors or market sellers who only accept tap payments, and once the victim taps their card or phone, they are charged far more than the agreed amount. Because the initial withdrawals are usually small, they often go undetected by fraud systems. Victims may not realize something is wrong until much later, when more money has been taken.
A Missouri resident reported losing $100 after being approached by a person carrying a handheld card reader. The BBB Scam Tracker has recorded many similar cases across the country, with some losses exceeding $1,000. Officials warn that scammers may pressure victims to complete payments quickly, preventing them from verifying the amount or merchant name. Some even carry portable readers that can detect signals through thin wallets or purses.
While the threat of ghost tapping may sound alarming, protecting oneself is achievable with a few smart habits and security tools. Experts recommend investing in RFID-blocking wallets or card sleeves to create a physical barrier between the card and potential scanners. These inexpensive tools can prevent scammers from reading card information through clothing, bags, or wallets. Look for sleeves or wallets specifically designed to block wireless communication.
Always check the merchant name and transaction amount displayed on the payment terminal before tapping. Scammers often rush victims to avoid scrutiny. Taking an extra second to confirm what appears on the screen matches the agreed-to amount can help prevent unauthorized charges. If something looks off, cancel the transaction immediately.
Enable instant transaction alerts from your bank or credit card provider. This allows you to be notified as soon as a payment is made, giving you a chance to spot unauthorized activity. Quick detection can prevent further charges and make it easier to dispute fraudulent transactions. Additionally, consider subscribing to services that monitor credit and financial information, alerting you if your details appear on the dark web or in a data breach.
Crowded environments such as festivals, public transportation, or street fairs create perfect conditions for scammers to blend in. Limit tap-to-pay use in these situations. Instead, use chip or swipe methods, which require physical contact and are harder to exploit. Make it a habit to check your financial accounts at least once a week. Review each transaction carefully and report anything suspicious to your bank immediately. Even small unexplained charges could signal a larger problem.
Most mobile wallet apps allow users to set PINs, facial recognition, or fingerprint verification before authorizing a transaction. Ensure these protections are enabled. This adds another barrier that prevents criminals from initiating payments without your consent. Regularly update your smartphone’s software and mobile wallet apps. Updates often include security patches that protect against newly discovered vulnerabilities scammers might exploit. Outdated software can leave your data exposed.
In addition to keeping your apps updated, protect your device from hidden threats with strong antivirus software. It scans for malicious apps and spyware that can hijack your tap-to-pay data or record sensitive information. While convenient, storing several cards in one app can increase your exposure if your phone is compromised. Keep only the cards you use most often connected to your mobile wallet. This reduces the impact of potential fraudulent activity.
If you ever suspect ghost tapping or notice a strange charge, contact your bank immediately and report the scam to the BBB Scam Tracker. Quick action can help prevent additional losses and assist authorities in identifying scam trends. As contactless payments become more common, scammers are getting more creative. Staying informed and cautious can help protect your money. Small steps like checking your transaction history and using protective gear can make a big difference. If you notice unauthorized charges, contact your bank immediately, freeze your card, and report the scam to the BBB Scam Tracker. Technology offers convenience but can also create new risks. The ghost-tapping scam shows how quickly and easily payments can invite hidden dangers. Awareness and prevention remain the best ways to keep your finances safe.