Ghost tapping is a growing scam that targets tap-to-pay cards and mobile wallets. These payment methods use Near Field Communication (NFC), a technology that allows devices to exchange data at close range. While NFC is generally secure, scammers can take advantage of it in crowded or distracted environments.

Unlike traditional card scams that require physical contact, ghost tapping allows fraudsters to charge your card without ever touching it. The Better Business Bureau (BBB) has received multiple reports of this scam, and it’s important to stay alert.

Here are a few common ghost tapping tactics:

• Getting close in public spaces: A scammer may bump into you and secretly charge your tap-enabled card or mobile wallet.
• Posing as a vendor: At festivals, flea markets, or events, fraudsters may set up fake booths and request tap payments.
• Charity scams: They might ask for a small donation but charge a much larger amount.
• Rushing the transaction: Scammers rely on you tapping quickly without verifying the business name or payment amount.

In some cases, they make small withdrawals to avoid triggering fraud alerts, making it harder to detect the theft right away.

One report to BBB Scam Tracker described a scammer going door to door claiming to sell chocolate for a special needs fundraiser. He insisted on tap-to-pay only, then charged large amounts without showing the total. Victims lost hundreds of dollars, and the scammer moved frequently to avoid being caught.

What are the warning signs and red flags of ghost tapping?

• Bank alerts about small or unusual “test” charges.
• A request to tap without showing you the total or offering a receipt.
• Suspicious charges after you’ve been in crowded areas like festivals, markets, or transit stations.

How to protect yourself from tap-to-pay scam?

• Use RFID protection. An RFID-blocking wallet or sleeve can help stop wireless skimming.
• Always confirm payment details. Before tapping your card or phone, check the merchant’s name and amount on the terminal screen.
• Set up transaction alerts. Many banks allow real-time notifications for every charge.
• Keep an eye on your accounts. Daily checks help you spot fraud faster. 
• Limit tap-to-pay use in high-risk areas. When in doubt, consider swiping or inserting your card instead.  

What to do if you’re a victim of a tap-to-pay scam:

• Report them immediately to FMB or card issuer
• Freeze or cancel the affected card
• Report scams to BBB Scam Tracker