Mobilní platba Prevence podvodů — Keep Apple Pay & Google Pay Safe

Mobile wallets have replaced physical cards for millions of people. Apple Pay, Google Pay, Venmo, and Cash App make transactions effortless — but they also create new attack surfaces for fraudsters. In 2025, mobile payment fraud losses exceeded $5 billion globally.

Common Mobilní platba Fraud Types

1. Account Takeover via Phishing

Fake texts claiming "your Apple Pay has been suspended" direct victims to phishing sites that capture login credentials.

2. Unauthorized Card Linking

Fraudsters use stolen card details to add them to their own mobile wallets, making purchases that appear legitimate.

3. QR kód Swaps

Scammers place fake QR codes over legitimate ones at stores or events. When scanned, payment goes to the scammer.

Ochrana Checklist

Phishing Varovné signály

1. Never click links in SMS/email — always open the official app
2. Check sender: Apple uses apple.com, Google uses google.com
3. "Urgent" or "suspended" = almost always fake
4. When in doubt, contact support directly

Sdílení Payment Info bezpečně

When you need to share card numbers or payment PINs with family, sending them over iMessage or text is risky. Use LOCK.PUB to create an encrypted, self-destructing memo — only accessible with a password, and it disappears after viewing.

If Fraud Occurs

1. Lock your card via the banking app
2. Change passwords for affected accounts
3. Report to your bank/card issuer
4. File an FTC complaint: reportfraud.ftc.gov
5. Monitor credit reports for unusual activity

Shrnutí

Mobile payments are convenient and generally secure, but only if you enable biometric authentication, transaction alerts, and two-factor authentication. Never click payment-related links in texts or emails.

Share payment details securely with family using LOCK.PUB — encrypted, password-protected, and self-destructing. Free to use.