How to protect yourself from payment card fraud across the country
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A new scam called ghost eavesdropping is spreading across the country. The Better Business Bureau (BBB) warns that scammers are using this tactic to steal money from people who use tap-to-pay credit cards and mobile wallets.
This scam exploits wireless technology to withdraw money without your knowledge. Many victims realize something is wrong only after small, unnoticed transactions slowly drain their accounts.
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The Better Business Bureau is warning of a new “ghost tapping” scam that is draining money from tap-to-pay cards and mobile wallets. (Clara Marges/Image Alliance via Getty Images)
How does the ghost eavesdropping scam work?
Fraudsters use near-field communication (NFC) devices that mimic legitimate tap-to-pay systems. In crowded places like festivals, markets, or public transportation, they get close enough to your wallet or phone to initiate the transaction.
The BBB reports that some scammers pose as charity or marketplace sellers and only accept click-through payments. Once you tap your card or phone, you will be charged much more than the agreed upon amount.
Since the first few withdrawals are usually small, they often go undetected by fraud systems. Victims may not notice until much later, when more money has been taken.
Cases and warnings from real life
A Missouri resident reportedly lost $100 after being approached by someone with a mobile card reader. The BBB Scam Tracker has recorded many similar cases across the country, with losses sometimes exceeding $1,000.
Officials warn that scammers may pressure you to complete payments quickly, preventing you from verifying the amount or merchant name. Some even carry portable readers that can pick up signals through wallets or thin wallets.
How to protect yourself from eavesdropping ghosts
While the threat of ghostly 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 RFID blocking wallet or card case 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 sleeves or purses specifically designed to block wireless contact.
2) Check before clicking
Always check the merchant name and transaction amount displayed on the payment terminal before clicking. Scammers will often rush you to avoid scrutiny. Take an extra second to make sure what you see matches what you agreed to pay. If something comes up, 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 opportunity to spot unauthorized activity immediately. Rapid detection can prevent further charges and make it easier to dispute fraudulent transactions.
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The BBB says reports of “ghost eavesdropping” are on the rise, with some victims losing more than $1,000 to contactless theft. (M. Scott Brower/Bloomberg via Getty Images)
4) Be careful in crowded areas
Crowded environments such as festivals, public transportation, or street fairs create ideal conditions for scammers to integrate. Limit your use of tap to pay in these situations. Instead, use slide or swipe methods, which require physical contact and are difficult to exploit.
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, unjustified accusations can indicate a larger 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 preventing criminals from initiating payments without your consent.
7) Keep your payment apps and devices updated
Update your smartphone software and mobile wallet apps regularly. Updates often include security patches that protect against newly discovered vulnerabilities that fraudsters may exploit. Outdated software can leave your data exposed.
Be protected from payment stealing malware:
In addition to keeping your apps up to date, protect your device from hidden threats with powerful antivirus software. It looks for malicious apps and spyware that can hijack your payment data or record sensitive information.
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8) Avoid keeping multiple cards on mobile wallets
Although convenient, storing multiple cards in one app can increase your exposure if your phone is hacked. Only keep the cards you use most often connected to your mobile wallet. This reduces the impact of potential fraudulent activity.
9) Report suspicious activity immediately
If you ever suspect ghostly wiretapping or notice strange charges, contact your bank immediately and report the scam to the BBB Scam Tracker. Quick action can help prevent additional losses and help authorities identify fraud trends.
Victims of “ghost eavesdropping” often lose money through small, unnoticed transactions before realizing they have been scammed. (Leonie Asendorpf/Image Alliance via Getty Images)
Key takeaways for Kurt
As contactless payments become more popular, scammers are becoming more creative. Staying informed and careful can help protect your money. Small steps like checking your transaction history and using protective equipment can make a big difference. If you notice unauthorized charges, contact your bank immediately, freeze your card and report the fraud to the BBB Scam Tracker. Technology provides convenience but can also create new risks. This ghost exploit scam shows how quickly and easily payments can raise hidden dangers. Awareness and prevention remain the best ways to keep your money safe.
Will you continue to use tap to pay after learning about hidden tap, or will you return to traditional payment methods? Let us know by writing to us at Cyberguy.com.
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