Credit Card Security-Disabling Tap and Go

Topics covered: Disabling tap and go, destroying cvv number, engraving household items.

Credit Cards

Visa PayWave and Mastercard PayPass ‘tap and go’ RFID (Radio Frequency Identification) technology is being foisted on people worldwide.  In Australia, you can’t opt out.  I asked my bank, and got a ‘no’.  So I called the head office of the card manufacturer itself to ask if I can disable it, or if there are any banks that offer an opt out.  I got a big ‘negatory’ in response, which, frankly is bullshit.  It is my money, how dare they make it so easy to steal.

Google was much more helpful.

…my Visa cards (issued in 2016) looked a bit different on the inside to his, but were both the same as each other, even though from different banks.


I held them over a bright lamp and marked a spot near the chip where I could see two antenna lines running close to each other….

aa-card-2.then I used a 3mm bit and drilled it out…then took it and tried at self checkout…et voila…

The Chip/PIN still works but PayWave is a goner.

No more free-for-all for criminals. If you don’t have a drill I have read that you could also cut in from the side with scissors up to the same place and it should do the same thing.

They removed credit card signing in favour of PIN for our ‘protection’, then force this on us instead.  Why? Bigger profits for Visa and Mastercard.  

If your card gets stolen or skimmed, your account could be emptied before you even realise there is a problem.  It allows multiple transactions of up to $100 each to be done with no verification. 

This is a disgusting breach of our security, and in the time you waste trying to sort the mess and get your money back (if you even can), you could have entered your four digit pin 5,400 times…assuming it takes ‘only’ three hours to sort out  (not including the months it might take for a refund) vs taking 2 seconds longer to enter a PIN each time.

Convenience, please!!  I think not having my money stolen is slightly more convenient than this scam.

You can get wallets that block the signal to stop you from getting skimmed, but that doesn’t help if the card itself is accessed.

Its’s not just hardened criminals we should worry about. Many otherwise honest people will often keep the cash as their ‘reward’ if they find a wallet that has simply been lost.  What is to stop them taking advantage of technology if they find your wallet and decide that they ‘deserve’ a reward at your expense, maybe some cigarettes or a tank of fuel?

Cards don’t even need to be defrauded by strangers, how many of us share a home with people we can’t quite trust?


Another good way to protect yourself from many unauthorised online transactions if your card is stolen is to memorise (and write in code somewhere) the 3 digit ‘secret’ CVV number in the signature panel of your credit card, then render these numbers unreadable on your card..I scratched it out with a flat blade screw driver then went over it with marker pen just to be double sure.



It doesn’t hurt to engrave valuables around the home either.  The standard format is initials, date of birth and state… eg:  AA 1/1/11 NSW.  To protect your privacy, maybe leave out the year of birth.  This will help prove the items are yours if they are stolen and subsequently recovered.  Some police stations can assist with engraving, just ask!

I’m not paranoid, I just don’t wanna give anybody a free ride at my expense.

Protect yourself and spread the word! This also appears in brief in Week 50.



Just spotted this…aa card 3.jpg…Page 4 of The Age, 9 December 2016.  Ridiculous.  These things are crime bait.