Bank of Ireland Warns of Rise in Card-Tap Overcharging Scams

Bank of Ireland has warned customers about a rise in card-tap scams involving the overcharging of payment terminals [1, 2].

This trend represents a growing security risk for consumers who rely on contactless payments. Because these transactions happen quickly, victims may not realize they have paid more than the agreed price until they review their bank statements.

The scam typically occurs when a merchant or individual verbally tells a customer one price for a good or service, but enters a significantly higher amount into the payment machine [1, 2]. The customer then taps their card or enters a PIN to authorize a payment that exceeds the actual cost of the transaction [1, 2].

Bank of Ireland said that people should double-check the amount displayed on the card machine before completing any payment [1, 2]. This simple verification step is the primary defense against this specific type of fraud, ensuring the digital total matches the verbal agreement.

Financial experts said that the ease of contactless technology has created a window for this type of manipulation [1, 2]. By rushing the process or distracting the customer, scammers can push through unauthorized amounts before the victim notices the discrepancy on the screen [1, 2].

The bank continues to urge vigilance across all retail environments in Ireland [1, 2]. Customers are encouraged to maintain a habit of looking at the terminal screen for every transaction, regardless of the size of the purchase [1, 2].