Hackers exploit features like Express Transit mode to steal money quickly, without the need for a card skimmer. Mobile wallets like Apple Pay and Google Pay have revolutionized the way we pay, but they are not immune to attack. Some of their most convenient features, like Express Transit mode, are being exploited by hackers to steal money in seconds, without the need for a card skimmer. This mode allows commuters to bypass turnstiles without fumbling for Face ID, fingerprints, or PINs. Hackers can now grab unlocked phones, drain funds within minutes, trick users into approving payments, and exploit users who leave Express Transit enabled or use weak PINs. Recent reports show cases where phone-grabbers drained bank accounts in minutes and malware like “Ghost Tap” relayed NFC payment data globally, enabling fraudsters to make purchases anywhere in the world.