With a simple tap, money will fly out of your bank account and into the pockets of the landlord or restaurant owner.
But sometimes your waiter, waitress or bartender won’t present the card machine to you for you to tap. They’ll ask to take your card so they can do it themselves.
The founder of the Goodwill Group against CNP (card not present) fraud shared his advice with Mirror Online.
He said: There is an unwritten code of good practice which is that when paying by either contactless card or by any other card, that the card should always be in the sight of the customer.
If the card reader is not brought to you for the transaction to take place then you should challenge why not and refuse to let the card out of your sight.
The waiter or waitress may be all smiles and maybe served you very well, but do they have a card reader behind the counter? You just don’t know.
A Mirror Money investigation in February found that a legally-downloaded app could turn a phone into a card reader and pulled the details of several cards within seconds.
Andrew continued: You should protect your cards as you would protect your purse or your wallet. TRUST NO ONE with your cards.
You wouldn’t give a waiter your wallet or purse and tell them to go out of sight and take the money to pay for a meal, well don’t do it with your card.
He also warns of the dangers of keeping contactless cards on your person in general
Andrew said: Contactless cards have a security issue when they are in your purse or wallet and should be protected by using a Metal Card Holder wallet with RFID blocking technology
Fraudsters can come up close to you and by using a card reader they can read your card details even if it is in your bag or wallet.
Mirror Money performed an investigation into these claims in February and found that card details can indeed be pulled easily.
It took less than a minute to search for an app that turns a smartphone into a card reader, download it then drop the phone next to a wallet to see if the card could be read while inside.
It could. Not just on one person, and not just with one wallet. In less than five minutes we’d pulled seven people’s card details, all from different wallets and purses, just using a phone.
It even worked when the card was inside someone’s wallet, inside someone’s pocket
And despite warnings about the danger of card clash , when we tried it with a wallet that had three different contactless cards in it, it still worked. All that happened was that the reader picked one and took its details, ignoring the rest.
We should stress that we used a simple, legal, app and could pull card details such as the long card number, the provider and expiry date.