BBB warns of ‘ghost tapping’ scam targeting tap-to-pay users

FOX23 News at 9 p.m

ST. LOUIS, Mo., (KBSI) — The Better Business Bureau (BBB) is warning consumers about a new scam called “ghost tapping,” which takes advantage of contactless payment technology used in tap-to-pay with credit cards and mobile wallets.

While the name may sound festive for Halloween, the scam poses real financial risks. Ghost tapping exploits Near Field Communication (NFC) — the short-range wireless technology that enables tap-to-pay transactions. Scammers can use this method in crowded areas or high-traffic events to secretly charge unsuspecting consumers.

In the past, card scams required physical contact, but ghost tapping eliminates that need. According to BBB, scammers may:

Bump into people in public spaces to discreetly charge tap-enabled cards or mobile wallets.

Pose as vendors at events or markets, using fake terminals to collect fraudulent payments.

Impersonate charities, requesting small “donations” that turn into large, unauthorized charges.

Rush the transaction, preventing the victim from checking the business name or total amount.

Once scammers obtain card information, they often make small, inconspicuous charges to avoid triggering bank fraud alerts.

A Cape Girardeau consumer recently reported losing $100 after a local company used a “tap machine” to scan cards through purses and wallets.

“You can help prevent ghost tapping by being cautious when using your card in crowded spaces and when purchasing from unfamiliar vendors,” said Michelle L. Corey, BBB St. Louis president and CEO. “The best way to avoid losing money is to review your financial accounts regularly and contact your bank as soon as you notice any suspicious activity.”

Red Flags of Ghost Tapping

Bank alerts showing small or unusual “test” charges.

Requests to tap your card without showing the total or providing a receipt.

Unrecognized charges after visiting crowded areas like markets or transit stations.

How to Protect Yourself

Use RFID protection. Carry an RFID-blocking wallet or card sleeve.

Verify payment details. Always confirm the merchant name and amount before tapping.

Monitor your accounts daily for unauthorized or unfamiliar transactions.

Enable transaction alerts from your bank for real-time notifications.

Limit tap-to-pay use in high-risk or crowded areas.

What to Do if You’re a Victim

If you believe you’ve been targeted by a ghost tapping scam, contact your financial institution immediately to freeze your card and report the fraud. You can also report incidents through BBB Scam Tracker to help alert other consumers.

For more information, visit BBB | Better Business Bureau.\