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Apple Pay and Google Pay are popular payment systems that allow contactless payments using mobile devices. They provide speed, convenience, and seem like a reliable alternative to traditional bank cards. However, the widespread use of such services has attracted the attention of fraudsters.
The main risk lies not in the technology itself, but in the human factor. Incorrect settings, weak protection, and insufficient awareness of cybersecurity issues. This creates conditions under which even the most secure system can be used against the owner.
Why Technology Does Not Guarantee Protection
The development of contactless payments has simplified the process of paying for goods and services. Such services have replaced bank cards and wallets, providing quick access to financial transactions through devices with an NFC module. However, with the popularity of mobile payments, the number of attacks aimed at bypassing the protection of these systems has increased.
The use of Apple Pay and Google Pay involves storing payment tokens that replace card data and are processed with each transaction. These data are encrypted and not transmitted directly, but attacks on such platforms still occur quite often. Fraudsters find ways to bypass multi-level protection by using system vulnerabilities and user inattentiveness. The greatest threat comes from actions aimed not at the platforms themselves, but at the devices on which they are installed.
Mechanisms Used by Scammers and Typical Attacks
Threats to mobile payments can come from various actions—from technical to psychological. First and foremost, Apple ID accounts and Google accounts are targeted. Once accessed, criminals can make transactions, synchronize tokens with another device, or gain control over payment functions.
The most common vulnerabilities are related to insufficient device protection. Lack of two-step verification, weak passwords, Bluetooth synchronization enabled—all of these make it easier to hack Apple Payand facilitate Google Pay fraud. Additionally, a large number of attacks are carried out through fake websites and applications that mimic official services.
The use of malicious software, interception of verification codes, access to a SIM card or email—all these methods allow bypassing built-in security mechanisms. The application itself remains protected, but the criminal can use it on behalf of the real owner.
Main User Mistakes
The majority of hacks occur due to mistakes made by users themselves. Neglecting cybersecurity rules opens access to payment data even without physical contact with the device. Such situations often arise when using the same password for different services.
Incorrect privacy settings and lack of updates also make payment applications vulnerable. To minimize the threat, it requires not only installing antivirus programs but also following basic rules. Measures that strengthen mobile payment protectioninclude the following:
- creating a complex and unique password for each account separately;
- enabling two-factor authentication;
- blocking app downloads from third-party sources;
- regularly checking the list of connected devices;
- controlling access to SMS, Bluetooth, and geolocation;
- updating the operating system and payment applications.
All the listed steps significantly reduce the likelihood of an attack. It does not require installing paid applications or having special knowledge. A systematic approach and attention to detail are enough.
The Importance of Timely Response and Measures After an Attack
When signs of fraudulent interference appear, it is important to act quickly. Even a slight change in security settings may indicate a potential threat. Unexpected termination of an active session, changes in account settings, and authorization attempts from new devices are the first signs of scammer activity.
If there is suspicion of Google Pay fraud or suspicious activity in Apple Pay, it is necessary to disconnect the device from the network and suspend the operation of payment services. Then, passwords for all related accounts should be changed. An essential step is to end all active sessions and contact the platform's support service.
Additionally, it is recommended to notify the bank about a possible attack by fraudsters. This is necessary to block all operations until the circumstances are clarified. This way, it is possible to save funds and prevent further actions by the scammers.