Advertiser Disclosure

Learning About the Terminated Merchant File (TMF) aka MATCH List

  • Updated on:
Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.


Chances are, you’re reading this article because you’ve just found out that you’ve been added to the Terminated Merchant File (TMF) or MATCH list. And now you’re scrambling to figure out what this “list” or “file” actually is, and how you can get yourself off of it. Am I right?

Well, don’t feel too bad, because you’re not the only merchant who’s been caught off guard. The truth is that most merchants don’t know that they are TMF’d or MATCH’d until they submit an application for a new account elsewhere and find that they are declined. At which point, the reason for the decline is revealed to them.

I hope that in this case, I’m catching you before you’ve been placed on the MATCH list, but if not, I’ll do my best to help you out anyway.

You might have already noticed that this infamous “list” goes by a couple names:

  1. Terminated Merchant File (TMF), and…
  2. MATCH (Member Alert to Control High-Risk).

Until recently, “Terminated Merchant File (TMF)” was the default term used by everyone, but lately it has been replaced by “MATCH.” So, for the sake of this article, we’re also going to refer to it as MATCH, but just remember that they both pretty much mean the same thing. I also want to clarify that I’ll be using the words “list” and “file” interchangeably as well.

Are you on the Terminated Merchant File / MATCH list and in need a new merchant account? Check out Durango Merchant Services

 IMPORTANT: In order to qualify for a merchant account with Durango while on the MATCH list, you must meet these qualifications: 
  1. You must not owe any money to the bank.
  2. You must have a letter from the bank stating this.

Meet these qualifications? Then get started with Durango.

Visit Durango Merchant Services

What is MATCH?

MATCH is a system created and managed by MasterCard. It is essentially a database that houses information about businesses (and their owners) whose credit card processing privileges have been terminated for reasons which I’ll discuss later.

It is used by acquiring banks (aka merchant processing banks) to screen potential applicants to see if that applicant has been terminated in the past. Acquiring banks also have the ability to add or remove merchants to or from the MATCH database, given they have justification.

In a nutshell, the MATCH file is like a “blacklist” that banks can cross-check when they take on new business. That way, they won’t get stuck with any bad apples.

The biggest downside to the MATCH system is that MasterCard does not verify or confirm the accuracy of the information reported to or listed in the MATCH database by the acquiring bank. Per this warning in section 11.1 of MasterCard’s Security Rules and Procedures.

MasterCard does not verify, otherwise confirm, or ask for confirmation of either the basis for or accuracy of any information that is reported to or listed in MATCH. It is possible that information has been wrongfully reported or inaccurately reported. It is also possible that facts and circumstances giving rise to a MATCH report may be subject to interpretation and dispute.

As you can see, that gives the acquirer full discretion in deciding whom to add to the list. It’s a system without any checks and balances, which is a bit dangerous if you ask me.

What Happens When You’re MATCH’d?

When a merchant is placed on the MATCH list, the business name, principal, and any business partners are all recorded on file and basically blackballed (for the most part) from opening any new merchant accounts elsewhere. Once on the MATCH, it is extremely difficult to obtain a new merchant account by any other bank.

Since merchant processing is a business with a high risk of loss to the banks, MATCH is used by the banks to see if the risk of opening an account is less than a bank’s risk tolerance.

If an acquiring bank finds that a merchant applicant is in the MATCH system, they are allowed to contact the prior bank who placed that merchant on the list and ask why that particular account was shut down. From there they can make a decision to accept the application, decline the application, or provide a conditional acceptance based on certain restrictions to prevent a similar type of scenario.

Why Do Merchants Get MATCH’d?

The reasons for being added to the MATCH database can vary. Having too many chargebacks, participating in fraudulent activity, or money laundering are all activities that can get you listed.

In the past, MasterCard made it really easy for acquiring banks to add merchant’s to the list, but in recent years, they’ve become more strict with their guidelines.

Here’s a quick table I pulled from the MasterCard website (see table 11.3). The numbers before each category are “reason codes,” so if somehow you only have a reason code, you can look for it in the table to find out what it means.

01Account Data Compromise
The Merchant unknowingly or unintentionally facilitated, by any means, the unauthorized disclosure or use of account information.
02Common Point of Purchase (CPP)
The Merchant knowingly caused or facilitated, by any means, the unauthorized disclosure or use of account information.
The Merchant was engaged in laundering activity. Laundering means that a Merchant presented to its Acquirer Transaction records that were not valid Transactions for sales of goods or services between that Merchant and a bona fide Cardholder.
04Excessive Chargebacks
With respect to a Merchant reported by a MasterCard Acquirer, the Merchant’s chargebacks in any single month exceeded 1% of its MasterCard sales Transactions in that month, and those chargebacks totaled USD 5,000 or more. With respect to a merchant reported by an American Express acquirer (ICA numbers 102 through 125), the merchant exceeded the chargeback thresholds of American Express, as determined by American Express.
05Excessive Fraud
The Merchant effected fraudulent Transactions of any type (counterfeit or otherwise) meeting or exceeding the following minimum reporting Standard: the Merchant’s fraud-to-sales dollar volume ratio was 8% or greater in a calendar month, and the Merchant effected 10 or more fraudulent Transactions totaling USD 5,000 or more in that calendar month.
07Fraud Conviction
There was a criminal fraud conviction of a principal owner or partner of the Merchant.
The Merchant was unable or is likely to become unable to discharge its financial obligations.
10Violation of Standards
With respect to a Merchant reported by a MasterCard Acquirer, the Merchant was in violation of one or more Standards that describe procedures to be employed by the Merchant in Transactions in which Cards are used, including, by way of example and not limitation, the Standards for honoring all Cards, displaying the Marks, charges to Cardholders, minimum/maximum Transaction amount restrictions, and prohibited Transactions set forth in Chapter 5 of the MasterCard Rules manual. With respect to a merchant reported by an American Express acquirer (ICA numbers 102 through 125), the merchant was in violation of one or more American Express bylaws, rules, operating regulations, and policies that set forth procedures to be employed by the merchant in transactions in which American Express cards are used.
11Merchant Collusion
The Merchant participated in fraudulent collusive activity.
12PCI Data Security Standard Noncompliance
The Merchant failed to comply with Payment Card Industry (PCI) Data Security Standard requirements.
13Illegal Transactions
The Merchant was engaged in illegal Transactions.
14Identity Theft
The Acquirer has determined that the identity of the listed Merchant or its principal owner(s) was unlawfully assumed for the purpose of unlawfully entering into a Merchant Agreement.

How Long Are You On the List?

According to this MasterCard PDF (see section 11.2.6), you’ll remain in the system for 5-years.

How Do You Get Off the List?

Lets say somehow you’ve ended up terminated and on the list. So now what? Well, the only way to get off MATCH is through the same bank that put you on it in the first place. Once you discover you are listed, the first step is to call your former provider.

You’re most likely going to have to jump through hoops, sitting patiently through many phone transfers, until you get to the right person, or get forwarded to the processing bank themselves. But, once you find the correct contact, you can then find out the explanation and reason code for why you are on the file, and ask what you need to do to get off.

Depending on why you’re on the file, getting off can be easy or impossible. It is nearly impossible to get off the file for being identified of fraudulent activity. Banks obviously hate fraud.

Often a termination resulting from too many chargebacks can be corrected with time. Banks will wait until all chargebacks have been rectified and there are no further chargebacks from the merchant’s former customers, before removing a merchant off the list.

If you believe you were erroneously added to the file, you must work with the bank that added your listing in order to get your business name removed or file details changed. Once investigated, if the acquirer agrees that you were listed in error, they must immediately request a correction.

If you’ve tried all the phone calls and spoken to every representative, your last option may be to seek legal counsel and head into a possible arbitration.

Can You Still Get a Merchant Account?

Believe it or not, there are some processing banks that will approve your account even if you’re in the MATCH system. Obviously, the reason has to be within reason (pun intended).

I know personally that Durango Merchant Services is willing to accept some TMF/MATCH merchants, so you might want to give them a try, but there are some guidelines that Durango requires you follow. Here’s what I was told by a rep from Durango:

The merchant will be required to show that the they do not owe any funds to the prior processor, ideally they have recent and clean processing history since the MATCH event, and they have a good explanation for what happened and what they have done to fix the problem that caused the TMF listing.

 IMPORTANT: In order to qualify for a merchant account with Durango while on the MATCH list, you must meet these qualifications: 
  1. You must not owe any money to the bank.
  2. You must have a letter from the bank stating this.

Meet these qualifications? Then get started with Durango.

Visit Durango Merchant Services

The Bottom Line

Avoid getting placed on the list at all cost! Being an honest and scrupulous merchant is the only way to be a functioning merchant. Once on the list, do whatever your previous bank says in order to get taken off. Remember, being MATCH’d not only stops your current credit card processing operations, but prevents you from doing any future operations under any other business names. It can quite possibly be the end of the road for your processing career, so be sure to take it seriously.

Amad Ebrahimi
Amad has worked in the eCommerce and online marketing world since 2002. He started as an eBay seller, then slowly graduated to building & marketing his own websites and consulting others to do the same. He founded Merchant Maverick out of frustration with all the misinformation and shady tactics that he encountered when trying to find a merchant account for his and his client's businesses. He's the man behind most of the merchant account reviews, and articles posted on Have any questions related to credit card processing? Talk to him.
Amad Ebrahimi
Leave a comment


Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    Never Branson

    Couldn’t find the comment reply on How to FindOut if I am MATCH listed!!

    Or a current status if so

      Jessica Dinsmore

      Hi Never,

      Unfortunately the only way to see if you are on the MATCH list is to apply to a processor and see if they can give you a reason code. It is going to take some patience, and probably a few phone calls, but you should be able to obtain the information. I hope this helps and if you have further questions please let us know.


        I need a professional that can help me handle this properly. 1-702-202-0463

        I got put on MATCH and have no clue why. The merchant stated “PRINCIPAL MATCH TO FRAUD ACCOUNT ” this is after 60 days of good processing history. I had merchant accounts in the past that were terminated but none of them ever accused me of fraud or anything, they just changed internal policy and so terminated me.

        Someone please give me a call and leave a message with a call back number in order for me to get in touch with me: 1-702-202-0463

          john s shriber

          Is there someone we can hire to investigate who put us on the match list & help us get off it. We have been jumping through hoops for quite a while. We have letters that say we have been removed, but a year later, we are still on it.

            Jessica Dinsmore

            Hi John,

            That sounds so frustrating! Unfortunately, we are not aware of anyone that specializes in doing this. In your search, please be wary of so-called “business consultants” who might offer this service, as they probably charge high fees and are unlikely to provide any truly valuable service. I wish I had better news… All the best.


              Does the credit card processor share any liability in this situation? I’m working with a processor that by default, didn’t request address match verification. We never had a problem until working with this company, and we didn’t know this AVS was even an issue. Within 10 days, we got hit for 4 chargebacks, totaling over $8,000 on a slow month, it represented about 50% of charges.
              Apparently, not only are we out the $ because the processor OK’d the transactions (on-line sales), but now we may be blacklisted. The processor got all the $ back.
              Are we at risk of going on the list? Are there any acceptable explanations?

                Jessica Dinsmore

                Hi Adi,

                I’m sorry to hear about your situation. We’ve actually never heard of a processor that didn’t use AVS for card-not-present transactions. Unfortunately, there is a good chance you’ll end up on the MATCH List/TMF due to the excessive chargebacks. I’d recommend finding a new processor at a minimum. Some providers (usually high-risk ones) will actively help merchants get off the MATCH List in cases like yours. Best of luck to you!


                  Great post! Ive recently started working with high risk e-commerce businesses, helping them to aquire processing when they can’t get it elsewhere. I have some personal contacts that help to facilitate this. A recent client was using PayPal to process for his business, and got shut down by them because it was considered high risk (an herbal supplement). Does this put my client on the MATCH list, or does this list not apply for PayPal and Square?

                    Jessica Dinsmore

                    Hi Todd,

                    Given the info you’ve provided, it sounds like your client should be fine. That said, it is possible to get put on the list from a service like PayPal or Square if there’s fraud or something else serious involved.


                      Hi Todd. How to contact you? Are you still in business?


                        If we are unable to get a merchant due to being places on match list.

                        Are you able to do ach processing with merchant?

                        Will that,have any effect on the reaction making for approval as the match list is directly for “card” processing?

                          Tom DeSimone

                          The MATCH list should not affect your ability to perform ACH processing, but the application process varies from one provider to another and some may deny you service for any payment processing.

                            evelyn sanders

                            Very insightful article. Please write another! It’s unfortunate that there seems no way to defend yourself or no monitoring system in place. It’s a bit like the wild west (lawless).


                              Hi, i have been involved in merchant account protection, Handling of all CB bbb AG and all the alphabet soup people that can add to the stress and assist a bank in justifying why they are Match listing you. I have always dealt with any and all things merchant account related, including but not limited to dealing with all processors, making sure we stayed at the best rates. Learned what we could do/add to our processing procedures to help our pci compliance be the strongest it can be. Which fyi.. the more you show your processor/ bank That you want to protect then as well as you, the more they work to keep you happy. There are steps that the bank has to take to get your CO on the list. The man of rhis article is right in saying it is nearly impossible to get off this list, unless you can prove it is a mistake. Pls also know this list is also attached to your SS EIN # YOUR PARTNERS, FAMILY MEMBERS AND ALL THEY CAN THINK OF TO BLOCK YOU FROM FINDING A BACK DOOR TO DO BUSINESS SIMPLE UNDER A NEW PERSON. I was fortunate to find loop holes for my last employer who was put on it, for 7 reasons. Which means they were in it 7 times. Well as luck would have it, I had suck detailed tracking of what they were accusing us of, and with in 7 days I was able to get us removed. The bank that listed us also had to send out appology letters regarding the 7 mistakes to the processing world. Aka Visa/MC Code of Conduct board etc. They also had to supply our company with a very detailed apology. Word to the wise. ALWAYS GET ANYTHING YOU GET CORRECTED IN WRITING AND SAVE IT!! Years later they tried to come back and add us again out of spite. Their own appology letter put an end to that ASAP. So there are ways to get off, even if you may be partially in the wrong, but not wrong enough to WARRANT the BLACK LIST OF PROCESSING!! FEEL FREE to respond or send me an email if you woukd like to ask me anymore questions if you think i can help in anyway. Good luck to all of you. It is much more profitable, if you are able to work under your own merchant account. You dont pay the huge extra Fees/Points others will force you pay bc you are in a desperate situation. Good luck, happy to help if ii can.. Rox


                                Hi Roxanne,
                                I was recently placed on the MATCH by Payment tech for the sale of a product that they deemed damaging to their brand. This product is not illegal. And frankly I don’t know why they would consider it so. Do you have any advise in what I need to do to fix this mess? Any advise would be appreciated.

                                  Kathryn Azhar

                                  I sell hcg for weight loss. I have a cc processor for my retail store, but I don’t know if they know I sell hcg or not. I need a processor for my website shopping cart. I am too scared to ask my store processing company if they will do the shopping cart b/c I’m not sure they won’t cancel me, which would put me immediately out of business. Can you help me find a cc processing company that will do my shopping cart on the website?

                                    K Christopher

                                    Help don’t know what to do. Can never get anyone at the bank that blacklisted. We operate multiple web sites and they have us on one product violation when they were not even our processor for that particular web site at the time. WHAT TO DO???

                                      William Patterson

                                      Hi Rox,

                                      Please contact me since I have some questions on being place on the MATCH list.
                                      The rule is that I am on the list for 5 years. well the 5 years have past and I just
                                      tried to get a merchant acct and they denied me saying I am on the TMF list.

                                      I will continue to fight to get removed. Who the heck is in charge of that list.
                                      I need to go to there office and raise hell. Is It VISA?



                                        How can I get a hold of you? Our company has been put on the “match” list. Appreciate any help or direction you can provide me.

                                        Thank you!

                                          Liz Vargas

                                          Please email me, we need assistance, our account was placed on MATCH without explanation. Let’s discuss via email

                                            Rick V

                                            How can someone contact you for help?


                                              Hi Rox I was wondering if you can help me get me off match. Our company had

                                              Dec 2017 340 Transaction 5 chargeback. $754.31 in total amount cb
                                              January 2018 105 transaction 9 CB total $1595 amount
                                              Fedruary 2018 75 transactions 2 chargebacks $212.98

                                              The chargebacks were from shipping our product to Canada it took longer then exspected so we corrected it ad chargebacks went down.

                                              We were placed on match for excessive chargebacks



                                                Does anyone know if Square reports to the match database? Specifically if they deactivate you for processing too many prepaid debit cards?

                                                  Jessica Dinsmore

                                                  Hi LI,

                                                  Square does report to the TMF, though I am not positive if processing too many prepaid debit cards will get you on the list. Reach out to Square directly and ask. If that doesn’t work, you might contact the back-end processor for Square, Chase Bank. You can find their contact info here.


                                                    hi, i am in the process of buying a new company and they current owners have told me they are on the match list. If there’s a change of ownership will this flag up on match?

                                                      Jessica Dinsmore

                                                      Adam, it’s possible. The company name is generally recorded along with the business owner name, but sometimes when there’s a change of ownership, the processor will accept the new personal liability. You won’t know until you try.


                                                        To answer your question, when you awuire the business, you will need to apply for a new Federally tax ID from the IRS. When you apply for a merchant account, using the new tax ID, and your personal information as the new business owner, the match list will not be a problem.

                                                          Derrick R Smith

                                                          I been add to this TMF list I don’t who added me or why. But, I need a merchant account any recommendation on a company. 405-314-2729.

                                                            Jessica Dinsmore


                                                            I’d recommend you get in touch with Durango.

                                                              GS Sridhar

                                                              Does this affect personal background? I mean if I go for Job or personal loan?

                                                                Jessica Dinsmore

                                                                Hi GS,
                                                                Thanks for your inquiry. Unfortunately we just don’t have the expertise to answer this question. Best of luck to you in your search.


                                                                  I’ve been handling TMF and MATCH listing matters since 1994 and MATCH deletion is certainly possible (though not guaranteed). TMF/MATCH is probably one the most misunderstood areas of merchant acquiring. Being on MATCH for 5 years can shut down an otherwise good business and eliminate a source of residual income for the sales agent, ISO, processes and bank, as well. In over 23 years of handling TMF/MATCH issues, I’ve noticed that it is not only MATCH listed merchants who struggle with understanding and resolving MATCH problems. Acquiring banks, processors, ISOs and merchant level sales people struggle to understand it, as well. Resolution of MATCH issues, including deletion from the list, usually requires getting all parties on the same page and taking a really focused and fact-based look at what caused the MATCH listing.

                                                                    Ricky Juliano

                                                                    Please Contact me. I have been put on the MATCH list and need some help.

                                                                      Jennifer Rodriguz

                                                                      I have been placed on this list and I haven’t committed any of the things that you have listed here. No one will talk to me and nobody will direct me to the correct person. I have never had any chargebacks nor have I committed fraud.

                                                                        Felicia Whisenant

                                                                        I had a client who made an online purchase for 300.00 she made a charge back.
                                                                        Now my business is on the list and I can’t get a business loan. Now what do I do.


                                                                          Felicia, it is not common to be matched, or placed on the tmf for just one chargeback. I suggest you reach to your merchant account provider to understand the details around what lead to be put of the tmf, or terminated merchant file. They should also be able to outline what is needed to remediate the situation as well by helping you understand who put your name on the list as they are the only ones who can have it removed.

                                                                          Best of luck.

                                                                            Gary Miller

                                                                            How do you contact MATCH to be taken off the list if you have been on it for over 8 years ? Are you taken off the list after the 5 year limit ?

                                                                              Chloe Bahal

                                                                              Hi Gary,

                                                                              You won’t be able to contact the MATCH list directly. You will need to contact the processor who placed you on the list to see what needs to be done. Or, you could try a high risk processor like Durango Merchant Services, Payline Data, and Instabill to see if they will work with you.


                                                                                You cannot contact the list. This is akin to a credit agency for the banks, which skirts the fair credit reporting act laws! It’s a play by the banks to be able to prevent access to the financial system at their own discretion. Simply put, the banks have more control than the government, and until we force change, it will get worse, not better.


                                                                                  Was wondering if you could help direct me. Cayan processing is holding $14000.00 of mine without calling me or asking me to submit proof of anything. I had two chargebacks for a total of $800.00 out of $14000.00 and they cancelled my account. havent heard a word from them . What do I do? I have contacted them and they say their risk dpt will call me they never do.

                                                                                    Chloe Bahal

                                                                                    Hi Natalie,

                                                                                    Unfortunately you are going to have to be persistent in contacting them. I would also suggest leaving a review on the BBB website and hopefully someone will reach out to you.


                                                                                      My department at a state college used Square processing for the first time this year for a 2-day fundraiser. No problems. We went to re-activate our account for the 2017 event, and were told we had been MATCH’ed. We have no idea what happened or what this means (except for your article – thank you!) and Square says the decision is final and they will give no more information.
                                                                                      Our department handles online credit card donations every day of the year without incident. We are PCI compliant. Other college departments use Square as well, and I have not heard of any others being “blacklisted.” How do we find out the bank to contact – is it just the bank the college uses, where the funds were deposited? What’s our next move?

                                                                                        Jessica Dinsmore

                                                                                        Kris, it’s unfortunate that they put you on the list. If you’ve exhausted all of your options in chatting with Square, then the next step might be to contact the back-end processor for Square, Chase Bank. You can find their contact info here:

                                                                                          Phillip Dane

                                                                                          Thanks for the article but how do I find out who placed us on the MATCH list? We have been in business since 1991 and maybe we have had 5 chargebacks in all those years. Very low risk business as well. This is really bizarre and I have no clue who reported us. Is there a way to find out how we got on this list and the code associated with the list. Thanks.

                                                                                            Chloe Bahal

                                                                                            Hi Phillip,

                                                                                            Thank you for your inquiry, I am happy to help you with this. You will need to contact your previous processor, or, you can try to apply for a new merchant account and see if they can provide you with an explanation and reason code. I hope this helps but if you have further questions please let me know.


                                                                                              Is it proper for a merchant aka paypal to place a non-profit on a watchlist for failing to identify that a donation was part of someone else’s fraud scheme? It seems that this would be pay pals responsibility to have identified potential fraud as they claim to have the checks and balances and security in soliciting these companies, not the responsibility of the non-profit who is now being blacklisted.


                                                                                                What happens if the squiring bank is connected to a merchant service company is not honest/breach of contract. Who handles issue between merchants and the merchant services?

                                                                                                For example, I believe my merchant provider has breached our agreement (pay Who would I contact for resolution?

                                                                                                  Chloe Bahal

                                                                                                  Hi Matt,

                                                                                                  Unfortunately, there isn’t a lot of oversight. If the merchant services provider (or more often a representative of the company) has acted unfairly or inappropriately, the first course of action is to alert the company itself. Oftentimes this will be all that’s needed to resolve the problem. If the company does not make things right, the merchant can submit a complaint with the BBB and the attorney general. Usually there is a section in the merchant agreement that states the specific arbitration procedures, which usually includes a clause that says the merchant won’t file a class-action lawsuit. If the merchant wants to seek legal recourse, he/she should review the arbitration section of the contract and consider contacting a lawyer.


                                                                                                    We started this org few months before and have been trying to get marchant gateway. And everybody rejecting my appication and saying that this org is in match list.
                                                                                                    We havnt started any processing and brand new company. Without any transaction how can it be placed in match. Not sure who placed us in match

                                                                                                    Can you please assist us whom to contact to get more information on this.


                                                                                                      Chloe Bahal

                                                                                                      Hi Hari,

                                                                                                      Unfortunately the MATCH list can be a little tricky. The only way to really get an answer on why you were placed on the list is to either contact your previous merchant provider, or, you can apply for a new merchant account and see if they can give you a reason. Since you haven’t processed yet, there might be another company under the same name that was placed on the list.


                                                                                                        Thank you for the response. But we never got a marchant provider. We just kept trying but couldnt get any. Also we changed the company name and also the new tax id.. Again we got the same response from the providers. We contacted every provider which we applied. But everyone saying they didn’t keep it in match. Is there a way to find the name of provider and the reason for match listed.

                                                                                                        Please help us to find a solution.
                                                                                                        Thank you


                                                                                                          Salam ,how can I obtain a merchant as I am on the list ? How can you help me ?

                                                                                                            Chloe Bahal

                                                                                                            Hi Adel,

                                                                                                            You will need to contact the merchant provider who placed you on the list to find out the reason why. Durango Merchant Services, Payline Data, and Instabill are good options to look into.


                                                                                                              We have started a organization 6 months back. Which mainly deals with Online technical Support.
                                                                                                              Since day one, we have been trying to get a merchant account. But didn’t get any. All the applications getting rejected saying our company is in TMF with reason money laundering. But this completely brand new and we haven’t done any transactions so far. And also there is no previous business for us. this is first company.
                                                                                                              So can you please assist what can be the reason, and whom to contact to get the TMF details.

                                                                                                              Thanks in advance

                                                                                                                Michael Bast

                                                                                                                Do you know if PayPal files to the MATCH system? I got involved with a shady guy that somehow got me investigated and terminated. I gave him cash and got paid back via his use of several PayPal accounts to my PayPal account. All I wanted was to be made whole again but now I am on PayPals list, was told to write and Mail my account of what happened to PayPal’s legal department. I have yet to do that but have a draft about ready to send but am afraid I might make a bad statement. Do I face risk in this circumstance?
                                                                                                                Can I expect to be on the TMF ist from PayPal?
                                                                                                                Does anyone have a suggestion as what to detail or leave out? During their investigation I wasn’t told much, but after I spoke with a representative who said it was suspected Money Laundering! I’ve never been in a situation like this and have cut all contact with that shady guy but have the leftover problems.
                                                                                                                Word to all- I did a background check on this guy and found problems after it was too late. I recommend that you spend a few dollars doing a check on people you get involved with financially. Would have saved me a lot of time and trouble.

                                                                                                                  fleet thompson

                                                                                                                  We sold our business and the new owner was to handle this as part of the purchase agreement and did not. Subsequently my name was posted to Match. We need to have a processor and this is
                                                                                                                  obviously a problem for our companies future.
                                                                                                                  Any help would be appreciated.
                                                                                                                  Thank You.
                                                                                                                  Fleet Thompson


                                                                                                                    Do all limited shareholders of a company get listed on the file, or only the director of the company due to the shareholders limited liability?

                                                                                                                      Robert g

                                                                                                                      I was placed on match list 5 years and 3 months ago how do I find if am still on the list. I had a PayPal account opened 11-2014 and March 2015. They said I was on the match list can no longer do business with me. So that was 2 months before the 5 year period to be off the match question is how do I get back with PayPal. I need it for my eBay business. I do accept credit cards on eBay but am loosing sales for not accepting PayPal. Please advise. Do I reapply with PayPal with new checking account but same corp name?

                                                                                                                        Auction Essistance

                                                                                                                        When it comes to PayPal , once your terminated by them, your terminated for good. It is very, very rare that PayPal reinstates an account. The only way you would be able to get back would be to use a different location preferably a business one that you own, your business name and LLC.

                                                                                                                        All this would be ok provided you never used them before.

                                                                                                                          Doug Vaughan

                                                                                                                          How long does it take once an acquirer submits a request to remove an individual from the match list for Master Card to remove the name? AMEX submitted a removal request ten days ago and my client is still on the list.

                                                                                                                            Brandon Whitby

                                                                                                                            My company has just been the victim of a major Nigerian scam possibly totaling $80k and my merchant account with firstdata has been terminated as well as there were $45K in chargebacks to my business checking account. I had a person contact me by email posing as a rep from Santos Group LTD. he requested a quote for items and gave me a few different cards to pay with. This was my first transaction as a business and I was unfamiliar with fraud prevention procedures and current scams. I need to know what steps to take next, and is there any chance in hell on getting another payment processor?

                                                                                                                              Nance Goulding

                                                                                                                              HI Ahmad-

                                                                                                                              Is there a way to get a report that shows our company is on a match list? We are on a match list, but have been unable to obtain anything that actually says so. Any information you can provide would be greatly appreciated.

                                                                                                                              Thank you,

                                                                                                                              Nance Goulding

                                                                                                                                Chloe Bahal

                                                                                                                                Hi Nance,

                                                                                                                                Unfortunately the only way to see if you are on the MATCH list is to apply to a processor and see if they can give you a reason code. It is going to take some patience, and probably a few phone calls, but you should be able to obtain the information. I hope this helps and if you have further questions please let us know.


                                                                                                                                  Dear Amad,
                                                                                                                                  I have merchant account for card processing with Total merchant services for more than one year. they terminated my account and held my money for 180 days due to being listed on match. they are not providing me with info as to who listed me in match. at the end they made reference to American express, I checked with them, they confirmed that all are fine and my account with them still active and current.
                                                                                                                                  How can I force Total merchant svcs to inform who listed my business in Match. Which federal agency overseas total merchant practices to file complaint.

                                                                                                                                    Tom DeSimone

                                                                                                                                    Hi Harry,

                                                                                                                                    That’s a really frustrating situation. Have you worked with other processors before? You may need to reach out to other payment processors in order to figure out exactly what happened to get you MATCH’d, so that hopefully you can have it reversed. If Total Merchant Services is your only lead, then you should try contacting them again to get more information. It sounds like they are being either lazy or evasive, since they do not stand to benefit monetarily from you anymore, you are only an expense to them now. But that doesn’t make it okay for them to not provide you with more information if they have it. You may have to call again and try to talk to someone else.

                                                                                                                                    If you’ve exhausted your options with TMS, and there are no other merchant service providers that you think might have put you on the list, then you can file a complaint against TMS via the BBB. You can also file a complaint with your state’s Attorney General.

                                                                                                                                    Another solution: Try to set up a new merchant account. I’d suggest that you start with Payline Data. They are often willing to set up new accounts for MATCH merchants. At the very least, they will be able to tell you who put you on the MATCH file and why they did so.

                                                                                                                                    Hope this helps,

                                                                                                                                      Susan Smith

                                                                                                                                      You can notify the FTC they are the ones who would look into unfair business practices. I have done it before and they did look into it and actually took action against a merchant company. Good Luck – You can also go to the BBB and report the incident and they will have to answer for that or their rating will go down.

                                                                                                                                        james lewis

                                                                                                                                        thank you for your help, and all the information
                                                                                                                                        i was put on the match list by AMEX i tried to inquire about the reason and i wasn’t able to get any information
                                                                                                                                        now my question is if i’m applying for an offshore merchant provider in the uk can i aslo apply to accept amex cards through amex uk!! or is that the end of the line for me with AMEX Cards

                                                                                                                                          nicholas vass

                                                                                                                                          I need to speak to someone regarding a impending decision regarding a chargeback currently being investigated by the Financial Ombudsman. I am flabbergasted at the decision and it cannot be right in law . How a customer can use deception to obtain a refund after 2 years and it not be investigated properly by my service provider and not criticised by the Financial Ombudsman is beyond me and encourages fraud.

                                                                                                                                            Tom DeSimone

                                                                                                                                            Hi Nicholas,

                                                                                                                                            That’s highly unusual based on my experience. In the US chargebacks are rarely carried out more than 6 months after purchase date, and never with something as old as 24 months. It depends on the card issuer and the specifics of the sale, but timeframes in the UK are generally similar for chargebacks. You should find out if they just provided an interim refund, or if the chargeback was indeed settled in favor of the customer.

                                                                                                                                            Unfortunately after the chargeback case is closed, there is not much you can do to appeal the decision. It’s a flawed system to begin with – but initiating a chargeback two years after the purchase date seems crazy to me.

                                                                                                                                            Good luck, and let us know how this turns out.



                                                                                                                                              I was Match’d for excessive chargebacks but my volume is about 70k a month and I’ve had very few chargebacks for the year. Do the credit card companies realize that sometimes consumers LIE to generate chargebacks and get goods for free ? Can Durango help ?

                                                                                                                                                Tom DeSimone

                                                                                                                                                Hi John,

                                                                                                                                                It’s a crazy system, I know. The card networks know that a certain percentage of chargebacks are fraudulent, and they try to uncover these during investigation, but some inevitably make it through and can really hurt merchants. Based on your brief description of your situation, I think there’s a good chance that Durango can help you get an account. But it will really depend on a lot of different factors, so the only way to know for sure is to apply. I’ll be rooting for you.


                                                                                                                                                  Thomas Freud

                                                                                                                                                  Dear Amad,

                                                                                                                                                  it’s not right at all being not able doing any business in the US again,
                                                                                                                                                  because MATCH wrongful entries encountered !
                                                                                                                                                  All you need is to change your business name with a brand new IRS EIN
                                                                                                                                                  plus a legal name change after being married or any other legal national reason either if american within USA or when dual citizen just like that in Netherlands for example or Austria for example which is a straightforward easy procedure !
                                                                                                                                                  Also, keep in mind there are several honest merchant providers like FDMS,etc. who just do not need any SSN at all for 100% international trading with any honest website operation without prior update should you as a merchant require a new website or domain activation !
                                                                                                                                                  MATCH & TMF (Visa USA & Mastercard INT) both of them are only within USA & it’s much better within EU & Europe to sign up, because they do not have such unfair
                                                                                                                                                  controversial business practices like in the USA or Middle East,etc. !!!


                                                                                                                                                    Can you please explain what you mean when you say that being on the MATCH list prevents you from future operations under new business names? Do they tie the entry in the MATCH file to the principal / owner’s identity?


                                                                                                                                                      Yes they do. Either to your SSN and/or EIN. It’s happened to me. So you would not be able to open a business under your id again until you are off the list.


                                                                                                                                                        Thanks for the info, it’s very helpful!

                                                                                                                                                        Question, does this apply to North American only, or is it global. What I mean is if someone is MATCH’d in United States would they also be MATCH’d in Europe and other places around the world?


                                                                                                                                                          Chloe Bahal

                                                                                                                                                          Hi Michael,

                                                                                                                                                          That’s a great question. The Match List is applies to every country where Visa and MasterCard are used. The list is maintained by MasterCard International so it is going to be difficult to get away from.

                                                                                                                                                            Sam Howlett

                                                                                                                                                            Great report! The Kiss principle. Question, If one person files for chapter 13 banckruptcy after a merchant account has been approved, will they lose their account… short do merchant account banks do annual credit reports?

                                                                                                                                                            Leave a Reply

                                                                                                                                                            Your email address will not be published. Required fields are marked *

                                                                                                                                                            Your Review

                                                                                                                                                            Comment moderation is enabled. Your comment may take some time to appear.
                                                                                                                                                            Please read the "User Review and Comment Policy" before posting.