With the increasing use of digital payments, new methods of cyber fraud are also emerging. One of these is NFC scam, in which fraudsters try to target people without snatching the card or asking for the PIN. In NFC scams, fraudsters take advantage of the tap and pay facility. This method can clean your pocket without asking for OTP or password. If contactless payment i.e. Tap to Pay facility is enabled in your debit or credit card, then you can become their target. In such a situation, it is important to understand how this scam works and what precautions should be taken to avoid it.
What is NFC Scam?
NFC i.e. Near Field Communication is a technology with the help of which contactless payment is done by bringing the phone or bank card close to it. Cyber fraudsters can also try to take advantage of this technology. If a card has Tap to Pay facility enabled and it comes very close to the card reader, small amount transactions can be attempted. This is why people are advised to be extra cautious in crowded places, so that their card does not come in contact with any unknown device.
Who need to be more careful?
People whose contactless payment facility is active in their debit or credit cards should pay special attention to the security of their cards and phones. It is important to keep your bags and pockets safe in crowded buses, metro, markets or public places. If you do not need this facility, you can stop it by contacting your bank. You can also control it with the help of bank or card app. Apart from this, it is also important to keep an eye on the transaction alerts coming from the bank, so that information about any suspicious transaction can be immediately received.
You can avoid NFC scams with these easy methods
The most important thing to avoid NFC scams is to always keep your card and phone safe and do not allow any unknown person to touch them or bring them too close. Keep checking SMS and notifications of your bank account regularly, so that any unknown transaction can be detected immediately. If the card is lost or any suspicious activity is seen, block the card without delay and inform the bank. A little vigilance can help protect you from digital fraud.
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