Think before you tap: beware card payment overcharging scams

Consumers need to take extra care when making card payments, following an increase in reports of people being significantly overcharged at the point of payment.

Beware card payment overcharging scams

The scam typically involves a customer being told one amount verbally, but a much higher amount being entered on the card terminal. In some cases, this can happen quickly, particularly in busy environments, where people may be distracted, rushed, or less likely to carefully check the payment amount before tapping their card or entering their PIN.

Bank of Ireland is urging consumers to always pause and check the total shown on the card terminal before completing any transaction.

Nicola Sadlier, Head of Fraud, Bank of Ireland, said: “Card payments are quick and convenient, but that speed can also be exploited by fraudsters. We are seeing an uplift in cases where people are being caught out by significantly higher amounts being entered at the point of payment.

“The key message is simple: check the total before you tap. Fraudsters often rely on distraction, pressure, or a busy environment to push a payment through before the customer has had a chance to notice the amount being charged.

“Taking just a moment to look at the card terminal before tapping or entering your PIN can help prevent this type of fraud. If the amount doesn’t look right, stop the transaction and query it immediately.”

Bank of Ireland’s guidance to help customers stay in control:

• Always check the amount shown on the card terminal before tapping or entering your PIN
• Be cautious if you feel rushed or pressured into making a payment quickly
• Avoid handing your card to anyone else to complete a transaction
• Enable card transaction alerts so you can spot unexpected charges instantly
• Review your bank statements regularly and report anything unusual immediately.

Customers who notice an unfamiliar or incorrect charge should contact Bank of Ireland immediately using the contact details on the back of their card, or through the official Bank of Ireland app or website.

Bank of Ireland continues to invest in fraud monitoring and customer protection measures, while working closely with customers to help them stay safe from evolving fraud tactics.

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