How to not get taken for $1000 by Apple Pay scammers

TikToker Hanna (@mamaahannaa) thought she was doing a good deed by helping two men raise money for their community college. Unfortunately, she just fell victim to a new kind of scam.

In a now-viral video, Hanna talks about how she was shopping at Target when two young men approached her, selling chocolates to raise money for their Christian community college. Hanna decided to buy $10 worth of chocolates to support the cause.

Hanna had brought up the Apple Pay feature on her phone to buy the chocolates when one of the young men tapped his phone on hers rather than allowing her to initiate the transaction.

Hanna asked for a receipt when the boys began immediately apologizing. Apparently they'd "accidentally" charged her $975, a number that isn't particularly close to $10.

"At this point, I still wanted to believe him because he seemed very apologetic, and I was very naive," Hanna said in a follow-up video. "I had had a very long day, and I didn't wanna have to deal with this right now."

Hanna contacted Apple Pay support after the transaction, hoping it would be resolved quickly. However, Apple told her they didn't have enough evidence to prove that she didn't intend to pay the listed amount.

Afterward, she contacted Goldman Sachs, the bank associated with the Apple Card, and was told it could take up to three months to solve the dispute.

Sure, it's easy to point fingers and assume that it would never happen to you. These scams often rely on targeting people who are in a rush but still want to help.

And, as The Daily Dot points out, you don't even need to be directly approached by a scammer for it to happen. Scammers can hover near point-of-service terminals at crowded events, like music festivals, and swoop in to "steal" tap-to-pay transactions.

Still, it's worth keeping vigilant, especially as we're likely to see an increase in these sorts of scams as tap-to-pay becomes more widespread. Whenever you're asked to pay with a tap-to-pay, ensure you can see the transaction amount before double-clicking to bring up Apple Pay.

When in crowded places, like festivals, fairs, or concerts, avoid calling up Apple Pay early. Tap-to-pay uses near-field communication (NFC) chips, which have a distance of about four inches. Wait until you're hovering your device over a trusted contactless payment point to initiate payment.

And, if you get scammed, reach out to the bank in question. While Apple may make your iPhone, they don't have any control over how you use it.

Your bank or credit card issuer, on the other hand, does have a say in where your money goes.