The contactless payment and credit card allow customers to use a radio frequency identification chip embedded in a payment card or electronic device using NFC (Near Field Communication) technology to make payments using a compatible terminal. Despite its convenience, contactless payment carries a risk. Of the thugs use ingenious methods to steal your money.
Beware of contactless payment fraud!
Contactless payment revolutionized daily transactions, ensuring speed and convenience. However, as with any technological innovation, concerns remain about possible fraud.
One of the most talked about frauds concerns the use of portable payment terminals (TPE) in busy areass. Fraudsters quickly place the terminal near victims' bags, thus carrying out fraudulent transactions in just a few seconds.
Today, the maximum payment amount contactless is 50 euros per transaction. Be careful, however: according to the National Consumer Institute, the various banking establishments put in place other ceilings.
These limits exist to limit fraudulent use of your bank card. And particularly in the event of loss or theft.
To read
This undetectable contactless payment scam is raging, watch out for the credit card in your pockets or bags
Moreover, if you do not use the contactless payment function of your cardit would be better to ask your banker to deactivate it. In fact, this will prevent you from taking unnecessary risks. Because, the least we can say is that scammers have the fertile imagination to steal all your savings.
In the media columns Planetwe discover 5 contactless payment scams the most common at the moment.
1 – On public transport
Amid the human tide of public transport, crooks see the opportunity to extract money from you via payment terminals. Indeed, these thugs simply approach the terminal in your pocket or your bag hoping to make a contactless payment.
To protect yourself from this type of scam, do not hesitate to invest in an NFC anti-wave case or wallet.
2 – The contactless payment scam at restaurants
The least we can say is that the scammers do not forget any sector! In the summer of 2022, the authorities sounded the alarm in restaurants. The thugs take advantage of a moment when the server is lost to exchange the payment terminal and receive, instead of the establishment, the day's recipe.
3 – At the holidays
A festival, a nightclub, a concert. These places are also the terrain of criminals for the payment scam without contact due to the proximity between individuals.
To read
Contactless payment: the trick of scammers to take money from you without your knowledge
4 – The contactless payment scam even in stations!
Currently, a brand new contactless payment scam is rampant in train stations. The national police particularly warned about “fraudulent devices attached to SNCF ticket sales machines in Île-de-France”.
And not without specifying: “The real box supports a blue LED and a yellow pad”. While the fake boxes are in black and white.
5 – On the beach
In summer, scammers relax on the beach not far from you! They take advantage of this to extract money from you via a payment terminal. You will have understood, on the beach, do not take your bank card if possible. Or, again, equip yourself with an NFC anti-wave case.
