Ghost Tapping: How Contactless Convenience Became a Target for Scammers

Contactless payments have revolutionized how we shop, dine, and travel. With a simple tap, transactions are faster and more convenient than ever. But as technology evolves, so do the tactics of fraudsters. One emerging threat is ghost tapping, a form of NFC skimming that exploits the very convenience we love. Here’s what you need to know to protect yourself.

What Is Ghost Tapping?

Ghost tapping occurs when criminals use NFC-enabled devices to initiate unauthorized transactions on your tap-to-pay card or mobile wallet—without your knowledge. Unlike traditional skimming, which requires physical contact, ghost tapping can happen wirelessly and in seconds. Crowded places like concerts, transit stations, and shopping malls are prime hunting grounds for these scams.

How Does It Work?

Fraudsters often carry portable NFC readers or devices capable of mimicking legitimate payment terminals. When they get close enough—sometimes just a few inches—they can trigger a transaction or capture card data. Some scammers even use tools like Flipper Zero to exploit vulnerabilities in contactless technology. These transactions are often small “test charges” designed to go unnoticed before larger fraudulent purchases occur.

Common Tactics Used by Scammers:

• Fake Vendors: Posing as street vendors or charity collectors who “only accept tap payments.”
• Distraction: Rushing you through the process so you don’t verify the amount or merchant name.
• Crowded Environments: Taking advantage of busy areas where you’re less likely to notice unusual activity.

How to Protect Yourself:

• Use RFID-Blocking Accessories: Wallets or sleeves that block wireless signals can prevent skimming.
• Enable Transaction Alerts: Set up instant notifications through your credit union’s mobile app.
• Verify Before You Tap: Always check the amount and merchant name before approving a payment.
• Disable NFC When Not in Use: Turn off contactless features on your phone or card when unnecessary.
• Update Your Mobile Wallet: Keep your apps and operating system current for the latest security patches.

Ghost tapping is a reminder that convenience comes with responsibility. By staying informed and taking simple precautions, you can enjoy the benefits of contactless payments without falling victim to fraud. Share these tips with friends and family—because security is everyone’s business.