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The “tap-and-pay scam” is an informal name for more than one fraud technique. In a documented Singapore scheme, criminals phish for card details, trick someone into entering a one-time password (OTP), add the stolen card to a mobile wallet, then use a connected phone to make unauthorized contactless purchases. The tap is the final payment—not necessarily how the victim’s card details were stolen.
How does the documented tap-and-pay scam work?
Singapore’s police, Cyber Security Agency and Monetary Authority described a sequence that begins with fake e-commerce websites, sometimes promoted through social-media ads. A victim enters card details on a phishing site. The scammers then induce the victim to enter an SMS OTP there, enabling them to add the card to a mobile wallet. A money mule uses a phone linked to that wallet to make in-person purchases using NFC contactless payments, often targeting expensive goods. The agencies’ notice, published 17 February 2025, says they, banks, wallet providers and card services were working on measures to address the scheme.
For 1 October through 31 December 2024, the Singapore notice reported at least 656 cases involving phished card credentials added to mobile wallets, with losses of at least S$1.2 million. At least 502 reports involved cards linked to Apple Pay. These are minimum figures for that three-month period in Singapore, not a global estimate.
A related technique: “Ghost Tap”
The European Payments Council uses the name “Ghost Tap” for a related technique involving social engineering, malware and NFC relay technology. Its report’s description includes scammers posing as a security alert about a suspicious payment to obtain sensitive information. That is a distinct reported combination of tactics; it does not mean every tap-and-pay scam involves malware or an NFC relay. European Payments Council, 2025 Payment Threats and Fraud Trends Report.
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Can someone charge your card just by walking past you?
The documented Singapore scheme does not work simply by a stranger walking past with a reader. It relies on obtaining card credentials and an OTP, then provisioning the card to a mobile wallet for use by a connected device. The Ghost Tap description is a related, more technical tactic, but the available description does not establish that an ordinary passerby can charge any contactless card merely by being nearby.
That distinction matters for choosing a defense: a physical NFC-blocking sleeve is not a proven solution to a phishing-and-OTP theft chain. The cited agencies’ guidance focuses on protecting credentials and OTPs, checking shopping links, monitoring wallet-addition alerts and contacting the issuer quickly.
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How can you protect yourself?
- Never share passwords, card or banking credentials, or OTPs. Do not enter an OTP on a page reached through an unsolicited text, email, ad or QR code. Singapore’s agencies advise checking the validity of e-commerce websites and links before transacting.
- Verify the shop and payment request independently. Navigate to a retailer through its known official address or app rather than a message link. If a message claims there is a suspicious payment, contact the institution using a number or app you already trust.
- Check wallet-addition OTPs and alerts. If you receive a code or notification about adding your card to a mobile wallet and did not initiate it, contact the card issuer immediately through a trusted channel.
- Enable issuer alerts where available. Turn on transaction notifications and choose a useful alert threshold if your issuer offers those settings. Singapore’s agencies also recommend considering a temporary disablement of overseas card use when not travelling; these controls vary by issuer.
As the U.S. Consumer Financial Protection Bureau puts it, “Real government agencies and financial institutions do not threaten you or ask you to send money to ‘protect it’.” Use the CFPB’s fraud guidance and independently verified contact details when checking a suspicious demand.
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1Fix the driver behind crashes, sound loss and screen glitches2Clear out junk files and repair common Windows errors3Scan for outdated or missing drivers - takes under a minuteWhat should you do if you get an unexpected wallet-addition OTP?
- Do not share or enter the code, and do not respond through the message’s link or phone number.
- Contact the card issuer using the number on the back of the card, its official app or another independently verified channel.
- Tell the issuer you did not request the wallet addition and ask it to secure the card and check for attempted or completed transactions.
- Keep the OTP message and any issuer alerts in case the bank needs them to investigate.
What if you see a tap payment you do not recognize?
- Contact the issuer or bank promptly. Use the phone number on the card or a known official account channel. Ask it to block the card or other unauthorized use and explain how to dispute the transaction.
- Preserve the evidence. Save the transaction date, amount and merchant details, along with alerts, suspicious messages and the issuer’s case or reference number.
- Report it locally. Contact the relevant police or consumer-protection agency in your jurisdiction, and follow the issuer’s instructions.
The U.S. Federal Trade Commission advises consumers to contact a credit-card issuer immediately after unauthorized use or being tricked into a card payment; for debit-card misuse, contact the bank or credit union immediately. The FTC’s recovery guidance and the CFPB’s fraud resources offer U.S.-specific help. These steps are useful starting points, but reimbursement rights and reporting deadlines depend on payment type, location and circumstances. Check with your issuer and local regulator rather than assuming a refund is guaranteed.
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