Tap-to-pay has made shopping easier, but a scam known as “ghost tapping” is costing consumers thousands.

According to a Better Business Bureau alert, scammers are exploiting tap-to-pay and mobile wallet technology to steal money from unsuspecting customers.

Cybersecurity experts say ghost tapping relies on near-field communication (NFC) technology built into credit cards and mobile wallets, triggering unauthorized charges without the consumer realizing it.

Fraud analysts report claims tied to ghost tapping have surged 150 percent in the past year.

Victims often believe they’re paying for legitimate purchases, only to later discover they were overcharged by hundreds or even thousands of dollars.

The scam most often occurs in crowded public places such as airports, shopping malls, and concerts.

Cybercriminals use hidden NFC readers concealed in backpacks, jackets, or handheld devices to scan nearby cards or phones with tap-to-pay enabled.

Because NFC works at close range, many victims don’t realize they’ve been targeted until they review their bank statements.

How to protect yourself:

Dispute unauthorized charges immediately and file a consumer complaint with your state attorney general’s office if needed

Use RFID-blocking wallets or card sleeves

Disable tap-to-pay on cards you don’t use regularly

Turn off NFC on your phone when not in use

Set up transaction alerts through your bank or credit card app

Experts say awareness is the strongest defense.