Better Business Bureau Warns of Ghost-Tapping Scams
The consumer watchdog reports that scammers are using RFID devices to intercept contactless credit card data.
Updated on Oct. 20, 2026 in Credit Cards
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The Better Business Bureau warns that criminals are using ghost-tapping to steal payment information from contactless cards and mobile wallets. By standing within 2 to 3 feet of a victim, scanners can intercept data to process unauthorized charges.
Why it matters
As tap-to-pay technology becomes a standard method for everyday transactions, scammers are increasingly exploiting the speed and wireless nature of contactless payments to bypass traditional security. This trend highlights the vulnerability of RFID-enabled devices to unauthorized remote access.
Ghost-tapping requires a proximity of just 2 to 3 feet to successfully lift credit card information. Victims often report that scammers first test the stolen data with small unauthorized charge attempts ranging from $1 to $2.
The players
Better Business Bureau
This private, non-profit organization focuses on advancing marketplace trust by monitoring business practices and providing consumer warnings.
The details
Scammers typically process these fraudulent transactions by utilizing third-party payment platforms to submit invoices or proposals. After the initial small-dollar tests, perpetrators may attempt to escalate to larger unauthorized charges against the compromised accounts.
Timeline
October 20, 2026: The Better Business Bureau issued the formal scam warning.
Market Dynamics
This ghost-tapping trend follows the security cat-and-mouse game patterns set by the rise of EMV chip card skimming, where criminals pivoted to new technology as older physical payment protections were tightened.
Individuals who utilize contactless payment methods should monitor their account statements frequently for unauthorized charges as small as $1 or $2. If suspicious activity appears, contact your financial institution immediately to freeze your card or digital wallet.
The takeaway
Consumers should remain vigilant by using RFID-blocking wallets or keeping payment devices secured in internal pockets to prevent remote scanning. Regularly auditing bank statements allows for the quick detection of small initial fraudulent tests before larger thefts occur.
Further reading
For additional tips on securing your accounts, visit our guide on Credit Cards.
More information
Find additional consumer safety resources on the Better Business Bureau report site.
Source note: This article includes information reported by KXAN.
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Do you feel comfortable using contactless tap-to-pay methods for your everyday purchases?
