Here’s What You Should Know.

Hand holding a credit card, tapping to pay at a gas pump contactless reader

Every day, scammers devise new ways to trick consumers. With constant text messages, social media posts, and viral videos fueling fear, it’s challenging to separate fact from fiction.  A recent video circulating online sparks concerns about tap-to-pay stickers at gas stations. For years, experts have warned consumers about fraud tactics, such as skimming devices hidden in card readers.

A key tip: check the tamper-evident seal on the pump. If the seal is broken or missing, the pump may have been compromised.

What about the focus on the sticker itself?

According to Googles AI Overview,

Stickers placed over tap-to-pay devices at gas pumps are generally legitimate, not a scam. They are often replacement stickers used by gas stations to maintain visibility of payment options, not to steal data. While the circulation of these stickers online has sparked fears of a scam, officials have clarified that the stickers are typically standard industry replacements for worn-out or damaged terminals.”

In other words, most of these stickers are harmless.  However, if you notice the tap-to-pay option isnt working, and the chip reader also fails, its best to go inside the store to complete your transaction. Avoid swiping your card, as the magnetic stripe is more vulnerable to skimming devices.

Red Flags: Watch out for stickers promoting a QR code or mobile payment apps, such as Venmo.  They are not part of standard pump hardware and should be reported to the station attendant immediately.

Is tap-to-pay the safest option?

Yes. A recent ATMIA (ATM Industry Association) article cited the Financial Crimes Intelligence Center (FCIC) in Tyler, Texas, confirming:
While we all need to stay vigilant as criminals become more savvy, there are no legitimate instances reported where ‘tap-to-pay stickers’ have been used to steal data,” said Jeff Roberts, FCIC Intelligence Operations Captain.”  The article continues to say “tap-to-pay option at fuel pumps, especially when using a payment app, remains the safest method.”

Here’s why: Tap-to-pay cards use a small chip and antenna to communicate with payment terminals using radio frequency identification (RFID) or near-field communication (NFC) technology. These systems dont transmit the actual cardholders account number. Instead, they use tokenization, which turns sensitive data into a unique, encrypted code that protects your information during wireless transmission. This makes tap-to-pay one of the most secure payment methods available.

The bottom line.

In todays digital world, where misinformation spreads quickly, staying informed and cautious is your best defense.

  • Learn how tap-to-pay works

  • Inspect the pump before paying

  • Avoid using the magnetic stripe

  • Report anything that seems off

Stay smart, stay secure!
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