0:00 If you've ever wondered whether it's
0:01 better to swipe, chip, tap, or use your
0:04 phone to pay, you're not alone. A lot of
0:06 people, especially folks who didn't grow
0:08 up with smartphones, are asking, "What
0:11 is the safest way to pay these days,
0:13 especially on this channel?" Now, I've
0:15 saw many comments, and I told you
0:17 cyberheroes that I would be making a
0:19 video about this so you can get clarity.
0:21 So, today, I'm going to show you exactly
0:23 which methods put your money at risk and
0:26 which ones actually keep you safe. And I
0:29 promise this isn't about technical
0:31 jargon. This is about helping you
0:33 avoiding getting scammed at the checkout
0:35 so that you can protect your money. So
0:37 today in this video, buckle up because
0:39 I'm going to be breaking down the four
0:41 most common ways to pay from worst to
0:43 best so that you can avoid being scammed
0:46 in 2025 and protect your money, y'all.
0:49 Because these scammers are out here
0:51 ridiculous. They are stealing your money
0:53 left and right, up and down, and side to
0:55 side. Now, if you're out there still
0:57 swiping your card like it's 2012, you
1:00 might as well just hand your information
1:02 over to a scammer. And I don't even need
1:04 to own one of these to prove it. Just
1:06 look at this. That $100 device just
1:09 pulled the card number, the expiration
1:11 date, everything from a simple swipe.
1:14 That's why magnetic stripe cards are a
1:17 scammer's dream. And that's why I want
1:19 to talk to you and walk you through the
1:21 real differences without all this
1:23 technical jargon to make it plain so you
1:25 can finally know which option is
1:27 actually protecting your money in 2025.
1:31 So let's break this down step by step
1:34 because you asked for it and I told you
1:36 I was going to give it to you. So I got
1:38 it delivered. I am a man of my word. So
1:40 coming in and dead last is the magnetic
1:44 stripe. That old school swipe is
1:46 basically like your card's diary. It
1:49 spills the tea. I'm talking about
1:50 everything. When you swipe, you're
1:52 sharing your static card number, your
1:54 expiration date, and sometimes your
1:56 name, all in plain text, which means
1:58 it's not encrypted, which means it's
2:00 easy to read and duplicate. And that's
2:03 why card scammers at gas pumps and ATMs
2:07 scammers love these. Now, I've made
2:09 plenty videos about these things, so you
2:11 would know that this is pretty bad. So,
2:13 the final verdict of this one is swiping
2:15 is obsolete and unsafe. It is absolutely
2:18 one of the most horrendous ways to
2:21 protect your money. Now, just in case
2:23 you don't know what I'm talking about
2:25 when I'm talking about the magnetic
2:26 stripe, it is this little black portion
2:28 right here that is on the back of your
2:30 card. It contains static information.
2:32 Static means it does not change.
2:34 Therefore, the number that is created on
2:37 the front of this card, all that
2:39 information is stored in this little
2:40 strip right here. And this is how
2:42 scammers are actually able to take the
2:44 data from those um skimming devices and
2:47 actually recreate a physical copy of
2:49 your card and use it like they are you.
2:53 Interesting thing enough that these
2:55 cards actually do not contain the PIN.
2:57 This is why scammers are typically going
2:59 to watch you or record you enter your
3:02 PIN information so that they can now
3:04 reproduce your card. One subscriber
3:07 asked, "Hey boy, is it possible for the
3:10 scammers to drain my bank account if
3:12 they don't get my PIN?" The answer to
3:14 that is absolutely yes. The PIN allows
3:18 them to withdraw money. But if they can
3:20 still run your card as credit because
3:22 they've copied your card, they can still
3:25 get your money. Now look, if it's this
3:28 easy to steal your car data from a gas
3:30 pump or a grocery store, imagine what
3:32 hackers can do with your entire identity
3:34 when a bank gets breached. Now, this is
3:37 something that happens all the time. And
3:39 here's the wild part. You may not even
3:41 know it's already happened. I mean,
3:43 think about like Bank of America had a
3:45 data breach and didn't tell anybody for
3:48 months. Yes, if you use Bank of America,
3:51 you and your personal information has
3:53 been breached. On average, it takes
3:55 companies 277 days to report a breach.
3:58 That's a nine-month head start for
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4:40 after your data has been stolen. That's
4:42 like installing security cameras after
4:44 your house got robbed. Now tell me, what
4:46 sense does that make? None. You're
4:49 right. All right. Coming in next on the
4:51 list is the good old chip. It's way more
4:55 secure than swiping because it generates
4:57 a unique code every time you use it.
5:00 Now, before you go off thinking, "This
5:02 is great. This is perfect." There is a
5:04 catch. It still exposes you to malware
5:07 and compromised readers at ATMs and
5:10 checkouts. And not to mention, it is so
5:13 slow. You've seen it before. Insert your
5:16 card and what do you do?
5:19 Wait. But the verdict on this one, it's
5:22 much better to actually put the chip in
5:25 than it is to actually swipe the card.
5:27 By the way, let me know in the comments
5:29 what is your go-to card. What's your
5:30 favorite? Mine is actually the MX and
5:33 the Chase Sapphire. These cards have
5:35 some amazing rewards and cash back. It
5:38 is. Yeah, these are my favorite. What
5:40 about you? Let me know in the chat. All
5:41 right, Cyberheroes. Moving on to one of
5:44 my favorite or more uh preferred payment
5:47 methods. It's going to be the NFC, which
5:50 stands for near field communications, or
5:52 you may call it the tap to pay. Your
5:54 card and reader actually do a little
5:56 encrypted handshake. It still uses your
5:59 chip, but it sends a one-time cryptogram
6:01 that's basically useless if intercepted.
6:04 And because you never insert into a card
6:06 reader, there's no risk of card readers
6:08 being tampered with physically. So, the
6:11 skimmers out there specifically don't
6:13 really take advantage of a card like
6:16 this. It's quick. It's encrypted and
6:18 it's very difficult to tamper it. Now, I
6:20 said difficult. I did not say
6:22 impossible. Now, this is the moment that
6:24 you have been waiting for. What is at
6:26 the top? My favorite, mobile payments.
6:30 Apple Pay, Google Pay, they don't even
6:32 use your real card number at checkout.
6:34 They generate a virtual token and it
6:37 changes after every single transaction.
6:40 So, even if someone could intercept that
6:42 signal, it would be completely useless.
6:44 Plus, mobile wallets require biometrics
6:47 to unlock, meaning a fingerprint or
6:49 maybe your face or at least a code. And
6:51 if your phone is lost or stolen, you can
6:54 disable it remotely. It's like having
6:56 multiffactor authentication for your
6:58 wallet. So, the verdict for this one,
7:00 mobile payment in today's world is the
7:03 safest way to pay. So, here's some tips
7:05 for you. Number one, if you have to use
7:07 a card, never swipe it. Number two, use
7:10 tap or mobile payments whenever
7:12 possible. And number three, if you're
7:14 shopping at a place that doesn't offer
7:15 the mobile or tap option, run your debit
7:18 card as credit. This way, you actually
7:21 have fraud protection and you prevent
7:23 someone from getting access to your PIN.
7:25 And number four, lock down your cards
7:27 with real-time alerts from your bank.
7:29 You never know because scammers will
7:31 typically hit your card for like 99
7:34 cents to see if it's active and then
7:36 they will obliterate your bank account.
7:38 I've seen it. By the way, if y'all are
7:40 interested in seeing how that works, let
7:41 me know. I'll create a video about it.
7:43 It is absolutely wild. Now, cyberheroes,
7:46 this is 2025 and you shouldn't be paying
7:49 like it's 2005. I'm Sherlock Homie. Stay
7:52 smart, stay suspicious, and whatever you
7:54 do, don't swipe your card. And if you
7:57 want to see what could happen if you do
7:59 swipe your card, check out these videos
8:01 right here. I just want you to stay
8:03 safe. Click here or here or here. I'll
8:05 see you on this video. Maybe that one or
8:07 both. Peace heroes.
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