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How safe is Tap and Pay?

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CyberPsych

CyberPsych

TF Ace
If I have Tap and pay enabled and keep cards in wallet, can someone scan near may wallet and debit any amount? Looks like a noob question, but I want to know what are the risks of this being enabled. In Fuel bunks, we can't even see how much they're charging but ask us to move forward quickly to get next vehicle in place, says receipt is not available and SMS from bank takes some time to get delivered by which we have already left the bunk. Entering PIN eliminates all these, we can cross check the transaction amount.
 
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By default, the limit for Tap and Pay is set to 5k, as per RBI guidelines. If you are still wary, you can simply lower the limit to 1k or 2k. Moreover, it is much safer compared to swiping your card on a POS machine. In fact, it is easier for someone to clone or skim your card when you swipe it, but that's not the case with tap and pay. The only thing to worry about is if your card gets stolen.
 
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CyberPsych said:
If I have Tap and pay enabled and keep cards in wallet, can someone scan near may wallet and debit any amount? Looks like a noob question, but I want to know what are the risks of this being enabled. In Fuel bunks, we can't even see how much they're charging but ask us to move forward quickly to get next vehicle in place, says receipt is not available and SMS from bank takes some time to get delivered by which we have already left the bunk. Entering PIN eliminates all these, we can cross check the transaction amount.
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Most PoS machines display the amount even if you use Tap and Pay. In case it doesn't, you can ask the attendant to show you the screen after the transaction is completed to see the final debit amount.
 
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4uziaul said:
In fact, it is easier for someone to clone or skim your card when you swipe it
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Mots of the time it is now eMV chip's insert card an PIN transactions.

@Everyone, is it possible for someone to read my card when card is in wallet and tap & pay is enabled? Or some sort of physical contact is required for transaction?
 
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CyberPsych said:
Mots of the time it is now eMV chip's insert card an PIN transactions.

@Everyone, is it possible for someone to read my card when card is in wallet and tap & pay is enabled? Or some sort of physical contact is required for transaction?
Click to expand...
Yes. But that is quite rare. It does get hard to read the card through your wallet and pants. If you are so concerned, get yourself an RFID-blocking wallet
 
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4uziaul said:
By default, the limit for Tap and Pay is set to 5k, as per RBI guidelines. If you are still wary, you can simply lower the limit to 1k or 2k. Moreover, it is much safer compared to swiping your card on a POS machine. In fact, it is easier for someone to clone or skim your card when you swipe it, but that's not the case with tap and pay. The only thing to worry about is if your card gets stolen.
Click to expand...
This limit is per day or per transaction?
 
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I have set 1k limit only for all my credit cards and disabled the feature for all debit cards.
pprakash11 said:
5k/ transaction
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Is it really per transaction? Because I have set 1k as the transaction limit for my Axis card and paid 900 something in a pharmacy. After 5-10 minutes when I tried to pay again another amount less than 1k it got declined. Had to swipe the card.
 
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Baruah said:
I have set 1k limit only for all my credit cards and disabled the feature for all debit cards.

Is it really per transaction? Because I have set 1k as the transaction limit for my Axis card and paid 900 something in a pharmacy. After 5-10 minutes when I tried to pay again another amount less than 1k it got declined. Had to swipe the card.
Click to expand...
Yeah untill you set anything, its max by default 5k per transaction.
 
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CyberPsych said:
If I have Tap and pay enabled and keep cards in wallet, can someone scan near may wallet and debit any amount? Looks like a noob question, but I want to know what are the risks of this being enabled. In Fuel bunks, we can't even see how much they're charging but ask us to move forward quickly to get next vehicle in place, says receipt is not available and SMS from bank takes some time to get delivered by which we have already left the bunk. Entering PIN eliminates all these, we can cross check the transaction amount.
Click to expand...
1. get an rfid wallet. Tap and pay transactions wont happen in these wallets if you place it near a pos machine.
secnodly instead of directly doing yap and pay do it through cred ,paytm or samsung pay in this way you will receive instant message
 
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rbi rule say max 5k per transaction allowed
but you can modify it
Baruah said:
I have set 1k limit only for all my credit cards and disabled the feature for all debit cards.

Is it really per transaction? Because I have set 1k as the transaction limit for my Axis card and paid 900 something in a pharmacy. After 5-10 minutes when I tried to pay again another amount less than 1k it got declined. Had to swipe the card.
Click to expand...
 
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4uziaul said:
By default, the limit for Tap and Pay is set to 5k, as per RBI guidelines. If you are still wary, you can simply lower the limit to 1k or 2k. Moreover, it is much safer compared to swiping your card on a POS machine. In fact, it is easier for someone to clone or skim your card when you swipe it, but that's not the case with tap and pay. The only thing to worry about is if your card gets stolen.
Click to expand...
Thats why I prefer to use Samsung Pay each time for tap and pay transaction 🙂
 
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