Stop one-touch theft

November 4, 2025

By Kim Komando

Tap-to-pay is slick, fast and super convenient until it isn’t. Scammers have figured out how to use that same technology to steal your money without you even knowing.

It’s called “ghost tapping,” and it’s spreading so fast, the BBB issued a major alert about it.

💳 How it works

A scammer carries a hidden NFC reader, the same tech used in legit payment retail terminals, and bumps up close to your credit or debit card. If your card is contactless and not protected, boom, a payment goes through. 

No swipe. No PIN. No clue it happened.

These crooks hang out in crowded spots like malls, airports, festivals and train stations. If your tap-to-pay card is sitting loose in a bag or back pocket, they can charge you by brushing past. It’s that easy.

Even worse? They often start with tiny amounts, so it flies under your radar. A couple bucks here, a coffee there, and they keep draining your bank account.

🛡️ Stay a step ahead

You don’t have to give up tap-to-pay. You just need to outsmart the scammers, especially when you’re in a crowd.

• Use an RFID-blocking wallet or card sleeve. These physically block anyone from scanning your card when you’re not using it. Cheap fix, big peace of mind. Here are some great sleeves (50% off) and wallets for men (60% off) and women (40% off).
• Turn off tap-to-pay if you don’t use it. In most banking app settings, you can turn off contactless features or set a low limit. Do it.
• Watch the screen before you tap. If something looks off, like the merchant name or amount, stop. Don’t tap and hope.
• Add transaction alerts. Most banks and card apps let you turn on push notifications for every charge. If something sketchy goes through, you’ll know right away.

💪 If you found this warning helpful, forward this newsletter to a friend or family member or simply use the share icons below now. This kind of scam hits hard.

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