Zombie Card Attack Can Revive Expired Visa Cards for Contactless Payments

UMass Amherst researchers demonstrate Zombie Card, an NFC relay attack that revives expired Visa contactless cards for in-store purchases without breaking cryptography.

Researchers at the University of Massachusetts Amherst presented the Zombie Card attack at USENIX Security 2026, showing that Visa's Kernel 3 does not cryptographically bind the Application Expiration Date (tag 5F24) the terminal reads with the Track 2 expiry seen by the issuer. By positioning an NFC man-in-the-middle relay, an attacker can rewrite the terminal-facing expiration date of an expired card and complete contactless purchases, provided the account remains open under the same PAN and the bank does not independently re-check expiry. Testing across five major US banks found three distinct policies; Visa Kernel 3 accepted the modified date, while Mastercard, American Express, and Discover kernels declined modified transactions. Findings were disclosed to Visa and affected banks in May 2025, no CVE has been assigned, and no exploitation has been reported.