Beware of Ghost Tapping: How Scammers Exploit Tap-to-Pay Cards

As contactless payments have become more popular, scammers are finding new ways to exploit this convenience. One of the latest schemes is called Ghost Tapping, a sneaky tactic that targets tap-to-pay debit and credit cards. If you use your card for quick transactions, this is a scam you need to know about.

What is Ghost Tapping?

Ghost Tapping is a type of tap-to-pay scam where fraudsters use a wireless payment terminal or a modified device to charge your card without your consent. This often happens in crowded places like malls, airports, or public transportation, where scammers can discreetly get close enough to your wallet or purse to initiate a transaction.

Unlike traditional skimming, Ghost Tapping doesn’t require physical contact with your card. Instead, scammers rely on near-field communication (NFC) technology, the same tech that makes tap-to-pay possible. If your card is enabled for contactless payments and isn’t properly shielded, you could unknowingly pay for something you never purchased.

How Does it Work?

• Proximity: The scammer gets close enough to your card (usually within 1.5 to 4 inches).

• Unauthorized Transaction: Using a portable payment terminal, they process a small transaction, often under the limit that requires a PIN.

• Repeat Charges: In some cases, scammers make multiple small charges to avoid detection.

How to Protect Yourself?

• Use RFID-blocking wallets or sleeves for cards to prevent unauthorized scans.

• Turn off contactless payment if you don’t use it regularly.

• Monitor your accounts often for suspicious charges.

• Set up alerts for all transactions, no matter how small.

• Report lost or stolen cards immediately to your financial institution.

Where to Report?

Report to the Federal Trade Commission (FTC) online or call 1-877-438-4338. File a compliant with the Better Business Bureau using the BBB Scam Tracker to share your experience and help warn others.