Watch Out for This ‘Ghost Tapping’ Scam

Last week, the BBB (Better Business Bureau) warned the public of a new scam targeting tap-to-pay users, called “ghost tapping.”

Traditionally, credit card scams required physical access to the card, either by stealing the card itself, or obtaining its details via a credit card skimmer. Ghost tapping bypassing the need for the card. Instead, the scheme relies on the ability to scan a card at close distances.

According to the BBB, a scammer with the right handheld wireless payment device can either walk past you, or bump into you, and take a payment from your credit or debit card without your consent. In a more elaborate version of the scheme, these scammers may pretend to be a legitimate vendor at an event, and have targets scan their cards for fake products or donations.

Now, more than ever, it’s important to keep a close eye on your statements, as well as your immediate transactions. Look out for small charges you don’t remember: These are often “test” charges, to see if your card will work without issue. Additionally, watch out for card readers that simply say “tap here” and don’t list a clear payment, and be vigilant after you attend a crowded event.

How to protect yourself from this scam

The BBB recommends using RFID blocking sleeves or wallets to prevent bad actors from scanning cards. In addition, you should enable real-time alerts with your bank so you can see any time your card is charged.

If you think you’ve been the victim of a scam like this, do the following:

• File a complaint with both the BBB and the Federal Trade Commission
• Report the fraudulent charges to your bank or card issuer
• Cancel or freeze the card