In 2019, contactless payment became part of Brazilians' lives, bringing more practicality, security and agility when shopping and paying for services and products! But, just as it brought advantages, it also brought losses such as fraud in payment by approximation!

So, today we're going to show you how fraud works with this payment method and show you how you can avoid falling for this fraud! Check out!

Well, first of all, approximation payment works using cryptography technology, that is, with each transaction, a new code.

In this regard, the technology responsible for payment by proximity is NFC (Near Field Communication), translated as “communication by proximity field” that allows payments to be made without inserting the card into the machine.

And in addition, payments have a transaction limit where the password is not required, being R$200 on average.

That's because, it will depend on each financial institution to set the limits for payment by approximation, and more expensive purchases depend on a password!

So, approach payment fraud occurs when criminals take advantage of the large flow of people in urban centers and just fish for a card that is positioned in side pockets, approaching the card machine to charge.

This is because, in these means of payment by approximation, most do not ask for another identification factor to confirm the payment! So, be careful when you put your card away, so you don't fall for this big fraud of payment by approximation!

So, you can use it on a credit or debit card, smart bracelet and smartphone device. In this, the card machine also needs to use NFC technology!

So, for card payments, just inform that you want to make this payment method and the data is transmitted without needing a contact or password!

On the other hand, to use mobile approximation payments, you just need to register with your user and card on payment platforms available for Android and iOs such as Nubank and then start using approximation payments!

And yet, the payment made with smart watches occurs in the same way as the card and smartphone. They are: Santander Pass, BPP Tag, Ourocard bracelet, among others! So choose the one that is most advantageous to you and makes you feel more secure!

Learn about best practices to protect yourself from fraud! There is, approximation payment works on credit or debit card! Check out!

So, the first tip is: Be careful in the transaction!

That's because, keeping the card always close to you, will make you have greater control over it, not having to hand it to other people to put it in the machine!

And besides, you won't take as many risks!

Another tip to avoid fraud is to use the RFID function activation and deactivation feature in the card application. That's because, this way it prevents him from making payments being deactivated!

And the third tip to avoid contactless payment fraud is for you to use bags and wallets with RFID blocking. That's because, that way, no signal wave will come into contact with the card while it's stored!

Finally, use frequency blocking card covers that prevent the card from communicating with the billing machine, ensuring the security you need against fraud!

It is important to mention that this fraud does not work with payment by approach with mobile devices, as they have more security than the card, since to validate the payment, it is necessary to identify with a password or biometric verification.

Furthermore, it is recommended not to leave cards in the hands of street vendors or merchants and, if possible, deactivate the NFC!