payment processing

A new variant of the NGate malware targets Android users by disguising itself within a trojanized version of the HandyPay app, which is a legitimate mobile payment processing application. This malware, documented since mid-2024, siphons payment card information through the mobile device's near-field communication (NFC) chip and sends the stolen data directly to attackers, who create virtual cards for unauthorized purchases or cash withdrawals from NFC-enabled ATMs. The new variant has been injected with malicious code into the HandyPay app, which has been available on Google Play since 2021. The code includes emojis, indicating the possible use of a generative AI tool in its development. The shift from previous iterations, which used an open-source tool named NFCGate, to HandyPay is likely motivated by financial considerations and the need for evasion, as HandyPay is more affordable and requires fewer permissions. This NGate variant has been active since November 2025, primarily targeting Android devices in Brazil. It employs two main distribution methods: a counterfeit app named “Proteção Cartão” hosted on a fraudulent Google Play page and a fake lottery website that redirects users to WhatsApp to download the malicious APK. Upon installation, the app prompts users to set it as their default NFC payment application, requests their card PIN, and instructs them to tap their card on the phone for reading, transmitting all collected information to an attacker's email address. To protect against such threats, Android users are advised to avoid downloading APKs from outside Google Play, disable NFC when not in use, and use Play Protect to scan for threats.