NFC fraud

A new variant of the NGate malware family has emerged, using a trojanized Android application to capture payment card data and personal identification numbers (PINs). This modified version of HandyPay, a legitimate NFC relay app, has been distributed since November 2025, primarily targeting users in Brazil. The malware intercepts NFC payment card data and allows fraudulent transactions. Two distinct malware samples have been observed, delivered through phishing infrastructure that impersonates a Brazilian lottery site and a Google Play listing for a card protection tool. The trojanized app captures NFC data, requests the victim's card PIN, and transmits this information to attacker-controlled infrastructure. It requires minimal permissions, leveraging its role as the default payment application to evade detection. Evidence suggests that generative AI tools may have been used in its development, indicated by emoji markers in debug logs. ESET has reported its findings to Google, and Google Play Protect can detect known versions of the malware. The developer of HandyPay is investigating the misuse of its application.