How to Protect Yourself from Ghost Tapping Payment Card Scams Nationwide

A new scam called ghost tapping is spreading across the country. The Better Business Bureau (BBB) ​​warns that scammers are using this tactic to steal money from people who use contactless credit cards and mobile wallets.

This scam exploits wireless technology to withdraw money without your knowledge. Many victims only realize something is wrong after small, unnoticed transactions slowly drain their accounts.

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How the Ghost Eavesdropping Scam Works

Fraudsters use near field communication (NFC) devices that imitate legitimate payment systems. In busy places like festivals, markets or public transport, they get close enough to your wallet or phone to trigger a transaction.

The BBB reports that some scammers are posing as charity vendors or vendors at markets that only accept contactless payments. Once you use your card or phone, they charge way more than the agreed amount.

Since the first withdrawals are usually small, they often go unnoticed by fraudulent systems. Victims may not realize this until much later, when more money has been taken.

Real cases and warnings

A Missouri resident reportedly lost $100 after being approached by someone carrying a handheld card reader. The BBB Scam Tracker has recorded numerous similar cases across the country, with losses sometimes exceeding $1,000.

Authorities warn that fraudsters may pressure you to make payments quickly, preventing you from verifying the amount or the merchant’s name. Some even carry portable players that can pick up signals via thin wallets or purses.

How to protect yourself from ghost eavesdropping

Although the threat of phantom eavesdropping may seem alarming, protecting yourself is easier than you think. A few smart habits and safety tools can significantly reduce your risk of becoming a victim.

1) Use RFID blocking technology

Invest in a RFID blocking wallet or card sleeve to create a physical barrier between your card and potential scanners. These inexpensive tools prevent fraudsters from reading your card information through clothing, bags or wallets. Look for pouches or wallets specifically designed to block wireless communications.

2) Check before you press

Always check the merchant name and transaction amount displayed on the payment terminal before pressing. Scammers often rush you to avoid scrutiny. Take an extra second to confirm that what you see is what you agreed to pay. If something goes wrong, cancel the transaction immediately.

3) Set up instant alerts

Enable instant transaction alerts from your bank or credit card provider. This lets you know the moment a payment is made, giving you the ability to immediately detect any unauthorized activity. Early detection can avoid additional fees and make it easier to dispute fraudulent transactions.

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The BBB says reports of “ghost tapping” are on the rise, with some victims losing more than $1,000 to contactless theft. (Mr. Scott Brauer/Bloomberg via Getty Images)

4) Be careful in busy areas

Crowded environments such as festivals, public transport or street fairs create ideal conditions for fraudsters to mingle. Limit the use of contactless payment in these situations. Instead, use chip or scan methods, which require physical contact and are more difficult to operate.

5) Monitor your accounts regularly

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 bigger problem.

6) Use payment app security features

Most mobile wallet apps allow you to set PINs, facial recognition, or fingerprint verification before authorizing a transaction. Make sure these protections are enabled. This adds another barrier that prevents criminals from making payments without your consent.

7) Keep your payment apps and devices up to date

Regularly update your smartphone software and mobile wallet apps. Updates often include security patches that protect against newly discovered vulnerabilities that fraudsters could exploit. Outdated software can expose your data.

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In addition to keeping your apps up to date, protect your device from hidden threats with powerful antivirus software. It scans for malicious apps and spyware that may hijack your Tap-to-Pay data or record sensitive information.

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8) Avoid saving multiple cards on mobile wallets

While convenient, storing multiple maps in a single 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.

9) Promptly report any suspicious activity

If you ever suspect phantom tapping or notice a strange charge, contact your bank immediately and report the scam to the BBB Scam Tracker. Prompt action can help prevent additional losses and help authorities identify scam trends.

Victims of “ghost tapping” often lose money in small, unnoticed transactions before realizing they have been scammed. (Léonie Asendorpf/photo alliance via Getty Images)

Kurt’s Key Takeaways

As contactless payments become more common, fraudsters are getting more creative. Staying informed and prudent can help you 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 phantom wiretapping scam shows how quickly and easily payments can lead to hidden dangers. Awareness and prevention remain the best ways to protect your finances.

Will you continue to use tap-to-pay after discovering ghost tapping, or will you return to more traditional payment methods? Let us know by writing to us at Cyberguy.com.

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