CLEVELAND, Ohio – As the holiday shopping season ramps up, consumers utilizing tap-to-pay technology are facing a new threat: “ghost tapping.” This deceptive scam involves fraudsters making unauthorized purchases using a device that mimics a contactless payment card, potentially stealing funds without the cardholder's physical presence.

The technique, dubbed “ghost tapping,” relies on devices that transmit the same radio frequency signals as contactless credit and debit cards. Scammers can then use these devices to make purchases at checkout lanes or payment terminals. Because the transaction occurs without the physical card being present, cardholders may not immediately realize their accounts have been compromised.

Law enforcement and banking institutions are issuing warnings to consumers to be vigilant during the holiday shopping rush. While tap-to-pay technology offers convenience, it’s crucial to remain aware of potential security risks. Experts recommend regularly monitoring bank statements and credit card activity for any suspicious transactions.

The rise of tap-to-pay has made this type of fraud possible. Contactless payments have become increasingly popular due to their speed and ease of use, but they also present a unique vulnerability. Authorities are urging retailers to implement security measures and educate their staff about this emerging threat.

Consumers are advised to shield their cards when making payments, and to be aware of their surroundings. If any unauthorized transactions are detected, cardholders should immediately contact their bank or credit card issuer to report the fraud and dispute the charges.