Ghost scam targets users who tap to pay

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 credit cards and mobile wallets with direct payment functionality.

This scam takes advantage of wireless technology to withdraw money without you realizing it. Many victims only realize something is wrong after small, unnoticed transactions slowly deplete their accounts.

Sign up to receive my FREE CyberGuy report
Get my best tech tips, urgent security alerts, and exclusive offers delivered right to your inbox. Plus, you’ll get instant access to my Ultimate Guide to Surviving Scams, free when you join me CYBERGUY.COM information sheet.

How the ghost eavesdropping scam works

Scammers use near-field communication (NFC) devices that imitate legitimate payment systems. In busy places like festivals, markets or public transportation, they get close enough to their wallet or phone to initiate a transaction.

BBB reports that some scammers pose as charity sellers or marketplace sellers who only accept direct payments. Once you touch your card or phone, they charge you much more than the agreed amount.

Because the first withdrawals are usually small, they often go unnoticed by fraud systems. Victims may not realize until much later, when more money has been stolen.

Real life cases and warnings

A Missouri resident reportedly lost $100 after being approached by a person carrying a handheld card reader. 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 the merchant’s name. Some even carry portable readers that can pick up signals through slim wallets or wallets.

How to protect yourself from ghost touches

While the threat of ghostly eavesdropping may seem alarming, protecting yourself is easier than you think. Some smart habits and safety tools can greatly reduce the risk of being a victim.

1) Use RFID blocking technology

Invest in a RFID Blocking Wallet or Card Case to create a physical barrier between your card and potential scanners. These inexpensive tools prevent scammers from reading your card information through clothing, bags or wallets. Look for cases or wallets specifically designed to block wireless communication.

2) Check before you touch

Always check the merchant name and transaction amount displayed on the payment terminal before tapping. Scammers often rush it to avoid scrutiny. Take an extra second to confirm that what you see matches what you agreed to pay. If anything seems strange, cancel the transaction immediately.

3) Set up instant alerts

Enable instant transaction alerts from your bank or credit card provider. This lets you know when a payment is made, giving you the opportunity to detect unauthorized activity immediately. Prompt detection can prevent additional charges and make it easier to dispute fraudulent transactions.

Bonus protection: Even if you stop a scam in time, your personal data may end up for sale online. Our #1 identity theft company monitors your credit and financial information and alerts you if your data appears on the dark web or in a data breach.

See my tips and best options on how to protect yourself from identity theft at Cyberguy.com.

You can also use a data removal service to automatically remove your personal information from the data broker sites that sell it, keeping you off scammers’ lists before the next attack.

4) Be careful in crowded areas

Busy environments such as festivals, public transport or street fairs create the perfect conditions for scammers to blend in. Limit using tap to pay in these situations. Instead, use chip or swipe methods, which require physical contact and are harder to exploit.

5) Monitor your accounts regularly

Get into the habit of reviewing 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 indicate a larger problem.

6) Use payment app security features

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

7) Keep your apps and payment devices up to date

Regularly update your smartphone software and mobile wallet apps. Updates typically include security patches that protect against newly discovered vulnerabilities that scammers could exploit. Outdated software can leave your data exposed.

Stay protected from payment-stealing malware:

In addition to keeping your apps up to date, protect your device from hidden threats with powerful antivirus software. Look for malicious apps and spyware that could hijack your payment details or log sensitive information.

Get my picks for the best antivirus protection winners of 2025 for your Windows, Mac, Android, and iOS devices at Cyberguy.com.

8) Avoid keeping multiple cards in mobile wallets

While convenient, storing multiple cards in one app can increase your exposure if your phone is compromised. Keep only the cards you use most frequently connected to your mobile wallet. This reduces the impact of potential fraudulent activity.

9) Report any suspicious activity immediately

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

Kurt’s Key Takeaways

As contactless payments become more common, scammers are getting more creative. Staying informed and cautious can help protect your money. Small steps like checking your transaction history and wearing 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 ghost eavesdropping scam shows how quickly and easily payments can lead to hidden dangers. Awareness and prevention remain the best ways to keep your finances safe.

Will you still use tap to pay after learning about ghost tap or will you return to more traditional payment methods? Let us know by writing to us at Cyberguy.com.

Sign up to receive my FREE CyberGuy report
Get my best tech tips, urgent security alerts, and exclusive offers delivered right to your inbox. Plus, you’ll get instant access to my Ultimate Guide to Surviving Scams, free when you join me CYBERGUY.COM information sheet.

Copyright 2025 CyberGuy.com. All rights reserved.