Will you be a victim of digital pickpockets? Hacker reveals how easy it is to steal credit card numbers in seconds while you still have them in your hand.
- Criminals use RFID and NFC wireless communication to steal numbers
- The readers can be brought online or downloaded to phone via an app
- They have to stand six inches away while a transaction is being made
- Within a matter of seconds, the technology can pick up and store data
- A $300 machine can then replicate the card so it can be used elsewhere
- It is estimated 70% cards will soon be vulnerable to digital pick pocketing
- Cards can be protected from RFID skimmers by being wrapped in tin foil.
A new breed of digital pickpocket has been discovered lurking in stations and shopping centres.
They come armed with technology that can effortlessly steal credit and debit card details without so much as touching your wallet.
Standing just six inches (15cm) away, these criminals use radio-frequency identification (RFID) readers to harvest bank details in a practice known as ‘digital skimming’.
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nvesting in mobile credit card reader apps is a smart decision for small business owners because it gives your customers more payment options, especially if you travel for outside sales. Businesses are rarely cash-only and it can frustrate customers if your business accepts limited forms of payment. Apps make it easier for your customers to pay how they want, even for small purchases, and will help with customer satisfaction and retention. When comparing apps for mobile credit card readers, there are several factors to consider, starting with ease of use and compatibility with a wide range of mobile devices and phones. Here are the five best credit card reader apps on the market.
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1. ROAMpay
This app is unique because it is one of the few on the market that offers a combination card swiper that works with an Android phone, the iPhone, and a BlackBerry. It even works with certain flip phones and older mobile phones. ROAMpay provides end-to-end encryption when transactions are made as well as a secure PIN-based user authentication, which means it ensures the highest levels of data security possible. Its ability to work with so many types of devices makes it a great option for small business owners who want to provide the most convenience for their customers.
2. PayAnywhere
This is one of the least expensive options available for mobile credit card reader apps. The reader is free and accepts most major credit cards, including MasterCard, Visa, American Express, and Discover, and charges a low rate of 2.69 percent per card swipe. By giving you the basic features without setup costs, hidden fees, or minimum monthly payments, this is one of the best apps if you’re looking for a low-cost, quick solution.
3. Square
This is one of the most recognizable and popular apps. It costs a little more than PayAnywhere, charging 2.75 percent per swipe, but the device and app are both free, it doesn’t require any contract, and the money will be deposited directly into your bank account following a transaction. The sleekness and small size of this app make it attractive and simple to use. It plugs right into the audio jack of the device. One downside, however, is that it only works with Androids and iPhones.
4. Intuit GoPayment
Intuit GoPayment is similar to Square, but it works with Androids, iPhones and other Apple products, as well as BlackBerry devices. This app charges a monthly fee of about $13 but has lower transaction fees than most other apps. If you can calculate the number of transactions you
r business makes per month and estimate a high number of transactions per month, this is a great option for your business.
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