Scammers Exploit ‘Tap-to-Pay’ Credit Card Function
Scammers are increasingly targeting consumers through innovative techniques involving digital payment methods. Recently, the Better Business Bureau (BBB) issued a warning regarding a new tactic called “ghost tapping,” which exploits the popular ‘tap-to-pay’ credit card function.
Understanding Ghost Tapping
Ghost tapping involves scammers using technology to read the data from credit cards or smartphones equipped with near-field communication (NFC) capabilities. Bryan Oglesby from the BBB in West Florida explains that this practice allows fraudsters to collect payment information without physically swiping or inserting a card.
How Ghost Tapping Works
Scammers can employ devices designed to closely replicate legitimate card readers. They take advantage of crowded environments, making large events particularly vulnerable to these types of scams. Potential victims may be approached by fake vendors who request payments using ‘tap-to-pay’ methods, often charging more than the actual amount.
Precautionary Measures
- Disable NFC technology on your mobile device in crowded areas.
- Use protective sleeves or specialized wallets to shield your cards from unauthorized scanning.
- Be cautious of vendors requesting payment through tap methods in busy locations.
Oglesby reassures consumers that while the risk of falling victim to ghost tapping exists, using the ‘tap-to-pay’ feature is generally safe. Proper precautions can significantly reduce the likelihood of encountering these scams.
Reporting Scams
If you suspect you have been targeted by scammers using ghost tapping techniques, report the incident to the Better Business Bureau. Staying informed and vigilant is key to protecting yourself in today’s digital payment landscape.
