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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.
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Your Shredded Visa Card May Still Work at the Checkout
UMass Amherst researchers demonstrated expired Visa contactless cards can complete real purchases via relay attacks exploiting Visa Kernel 3's unsigned expiry date handling.
University of Massachusetts Amherst researchers presented at USENIX Security 2026 that expired Visa contactless cards can be revived for real purchases through an NFC man-in-the-middle attack on Visa's Kernel 3. The attack alters the expiry date the terminal sees (tag 5F24) while leaving the Track 2 Equivalent Data (tag 57) sent to the issuing bank unchanged, and the card's cryptographic signature does not cover the expiry date. Two Android phones emulating card and terminal relayed transactions within Visa's 500-millisecond limit. Mastercard, American Express, and Discover kernels blocked the attack, while Visa Kernel 3 did not; researchers also modified the Consumer Device Cardholder Verification Method flag at five US banks, and attackers can also exploit Terminal Verification Results zero-filling. Visa was notified in May 2025 and December 2025; no CVE has been assigned.
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Your Expired Visa Card Could Be ‘Zombified’ to Make Contactless Payments
Roundup: expired Visa cards can be revived for contactless payments via NFC relay; plus Apple spyware warnings and Ukraine cyberattacks on Russian e-commerce.
WIRED's weekly security roundup leads with research showing expired Visa contactless cards can be revived to make new payments through an NFC man-in-the-middle attack that alters the card's expiration date. The roundup also covers Apple sending an unprecedented volume of spyware warnings to users and Ukrainian cyber and drone attacks against a major Russian e-commerce company.
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Researchers find a loophole that lets expired credit cards make unauthorized payments
UMass Amherst researchers showed at USENIX Security 2026 that NFC relay attacks can rewrite unprotected expiration dates, letting expired Visa contactless cards keep making payments.
UMass Amherst researchers presented the Zombie Card attack at USENIX Security 2026, using two smartphones to relay and modify NFC payment data from expired Visa cards. The expiration date lies outside the card's digital signature coverage in Visa Kernel 3, and one major US bank accepted $1-$500 test purchases plus live $2.79 and $3.19 purchases with rewritten dates. Mastercard, American Express, and Discover rejected tampered dates; researchers notified Visa in May 2025 and no CVE or confirmed fix existed at publication.
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WindRelay Android Malware Turns Victims' Phones Into NFC Relays for Payment Fraud
Group-IB details WindRelay, a new Android NFC relay malware paired with SpyNote RAT to relay card data live for contactless payment fraud and loans.
Group-IB identified WindRelay, a previously unseen Android near-field-communication relay malware first seen in the wild in late August 2025, deployed alongside the SpyNote RAT in a contactless payment fraud scheme. Victims are lured via personalized phishing, smishing, or vishing into sideloading an app; SpyNote's Accessibility access silently installs WindRelay, whose reader component captures live EMV APDU card data over NFC and relays it via WebSocket C2 to an emulator component at a payment terminal. The scheme enables dual monetization: RAT-driven remote access to take out digital loans and NFC relay for physical card-present cashouts, known as Ghost Tap. Twenty-three WindRelay samples uploaded to VirusTotal between November 2025 and July 2026 impersonate financial institutions in Czechia, Slovakia, and Slovenia, with the technique also spreading to Brazil and Poland.
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Risky Bulletin: Expired cards can be used for new transactions
Researchers show expired Visa contactless cards can be revived via NFC man-in-the-middle relay to run fraudulent transactions; roundup also covers major breaches.
University of Massachusetts Amherst researchers built an NFC man-in-the-middle rig that updates a card's expiration date in transit and relays the modified payment to POS terminals, reviving expired contactless cards; Visa terminals and the backends of all five banks studied failed to catch the manipulation. The same roundup reports Iranian hackers shut down a small UK power plant for four days, Lazarus breached South Korea's Presidential Office as part of a campaign exceeding 100 victims, and French telecom SFR suffered a breach affecting over 2.1 million customers.
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Tajin Group: Guarantee Marketplace Vendor Involved in Phishing and Chinese Money Laundering Group
Recorded Future details Tajin Group, a Chinese-speaking vendor on Telegram guarantee marketplaces running phishing, carding, and money laundering operations targeting Chinese banks.
Insikt Group analyzed Tajin Group, a Chinese-speaking threat actor operating on Telegram-based guarantee marketplaces Dabai Guarantee and, since May 2026, Xinbi Guarantee. The group conducts phishing, payment card theft, and money laundering targeting mainland Chinese citizens and banks, testing stolen cards from twelve countries on platforms like CCAvenue and Geidea. Operators bought and sold at least 100 Telegram usernames and anonymous virtual numbers via Fragment Market to strengthen OPSEC, linking multiple usernames to single Telegram accounts. Recorded Future warns Tajin Group's TTPs are likely to be replicated by other vendors on Chinese-language guarantee marketplaces at global scale.
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Week in review: Records allegedly stolen from Azure tenants, Medusa ransomware hits 500+ orgs
Week in review: Medusa ransomware hit 500+ orgs per CISA, millions of Azure tenant records allegedly stolen, SafePal and French tax authority breaches disclosed.
Help Net Security's weekly roundup covers the FBI, CISA, and HHS joint advisory update reporting Medusa ransomware has breached more than 500 organizations since June 2021, and threat actor TheHatman's claim of millions of employee records stolen from Azure tenants of Fortune 500 firms including McDonald's, Vodafone, Kyndryl, and Tata Consultancy Services, per Hudson Rock. It also covers the SafePal breach affecting 39,798 customers, France's DGFiP breach exposing data on 678,000 individuals, and UT San delaying its fall semester after a cyberattack. Security items include critical unauthenticated GitLab flaw CVE-2026-19478, an actively exploited patched macOS Screen Sharing flaw deploying a cryptominer, US charges against 17 Mabna Institute Iranian hackers over 31TB of stolen academic data, and Google Mandiant's AI agents finding 100+ high-severity vulnerabilities.
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