Imagine making a regular card payment and unknowingly being overcharged or having your card cloned. That’s the infamous card machine scam, and it’s becoming increasingly common in Brazil. Understanding how it works—and how to avoid it—is key to protecting yourself.

What is the card machine scam?

Step-by-step: how the scam happens

This scam involves tampered card machines or manipulation during the payment process. The most common types include:

Overcharging: the scammer quickly enters a higher amount to trick the customer.

Double charges: the scammer claims the transaction didn’t go through and asks for it to be repeated.

Card cloning: fake machines record card data for future use.

Who are the main targets?

The victims are usually seniors, tourists, or distracted customers, especially in busy places like markets, restaurants, and gas stations. Distraction or hesitation to question the process makes it easier for scammers.

How to protect yourself

Practical tips to avoid losses

Always check the amount before entering your PIN.

Use trusted machines and always ask for a receipt.

Never hand your card to someone else. Insert it yourself.

Enable real-time notifications from your bank.

Be cautious if asked to repeat the transaction.

Cover the keypad when typing your PIN.

What to do if you’ve been scammed

Contact your bank immediately and block your card.

File a police report.

Collect any proof, like receipts and bank statements.

Inform the merchant if applicable.

The card machine scam can happen in a flash, but the consequences can last. Stay alert, follow simple safety tips, and share this information with others. Protect your money and stay safe.