Ghost Tapping Scams Target Tap-to-Pay Users, BBB Issues Warning

The Better Business Bureau has issued warnings about a recurring scam involving contactless payment methods, highlighting risks for users of tap-to-pay cards and mobile wallets.

According to the BBB, fraudsters use NFC-enabled devices to initiate unauthorized charges without physical contact, a method referred to as "ghost tapping." This scam has been reported in various public locations where crowds are common, such as markets, festivals, and transit stations.

Individuals carrying tap-to-pay cards or mobile wallets may be approached by scammers posing as vendors or charity collectors. The BBB stated that these scammers sometimes request a tap-to-pay transaction without displaying the transaction amount or providing a receipt, making it difficult for victims to verify the legitimacy of the payment.

Some cases involve fraudsters loading stolen card details onto mobile wallets installed on burner phones. These unauthorized wallets are then used to make tap-to-pay purchases, further complicating detection and prevention efforts.

What the numbers show

• Victim losses have included amounts of $537 and $1,100 in individual reports
• The BBB issued its warning about ghost tapping scams in September 2025
• Small “test” charges are often used before larger fraudulent transactions occur

The BBB has observed that scammers frequently begin with small charges to avoid detection by automated fraud monitoring systems. These initial amounts may later increase if the fraudulent activity goes unnoticed by the cardholder or financial institution.

To help reduce the risk of falling victim to ghost tapping, the BBB recommends several protective measures. These include using RFID-blocking wallets or sleeves, confirming the merchant name and transaction amount before tapping, enabling real-time alerts for transactions, and regularly monitoring account activity for unauthorized charges.

The BBB also advises consumers to avoid using tap-to-pay features in locations considered high risk, such as crowded public areas where scammers may be present. Taking these steps can help individuals better safeguard their financial information and reduce exposure to this type of fraud.

* This article is based on publicly available information at the time of writing.