Scammers Exploit ‘Tap-to-Pay’ Credit Card Feature
Scammers are increasingly exploiting new payment technologies, specifically the ‘tap-to-pay’ feature found on many credit cards and smartphones. According to the Better Business Bureau (BBB), the tactic known as ‘ghost tapping’ poses a serious threat to consumers.
Understanding ‘Ghost Tapping’
‘Ghost tapping’ involves the unauthorized scanning of payment information from cards or mobile devices while individuals are making purchases. Bryan Oglesby from the BBB in West Florida explains that scammers use wireless technology similar to legitimate transaction methods.
How Scammers Operate
- Scammers can employ specific card reader technologies to target victims.
- The process requires proximity; scammers must be close to the potential target.
- Events with large crowds create ideal conditions for these scams, as they can blend in among multiple vendors.
Oglesby notes that during busy events, fake vendors may attempt to trick customers into using the ‘tap-to-pay’ function for inflated charges. Being vigilant in such settings is crucial.
Protecting Yourself from Scammers
The BBB advises several strategies to mitigate the risk of falling victim to ‘ghost tapping’:
- Switch off the near-field communication (NFC) feature on your phone when in crowded locations.
- Invest in protective sleeves for your credit and debit cards to prevent unauthorized scanning.
- Consider using specialized wallets or purses that block scanning technology.
Is ‘Tap-to-Pay’ Safe?
Despite the risks, Oglesby emphasizes that ‘tap-to-pay’ remains a relatively secure payment method. The overall risk is minimal compared to traditional card swiping or insertion methods. Consumers are encouraged to remain informed and vigilant to ensure their financial safety.
If you suspect that you’ve fallen victim to such scams, the BBB encourages reporting the incident to help raise awareness and curb these fraudulent activities.
