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Mastercard MATCH List: The Complete Merchant’s Survival Guide

Here’s what you need to know about MATCH and how it limits your ability to take credit cards, how to get off the list, & your best options for accepting payments.

    Chris Motola
  • 112 comments
  • 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.
Chris Motola

Chris Motola

Expert Analyst & Reviewer at Merchant Maverick
An expert in personal and business loans and financial health, Chris Motola has been writing about small business finance and payments for over 5 years. He has been cited in various industry publications, including Forbes Advisor, GoBankingRates, and Medium. Chris is a graduate of the University of Central Florida.
Chris Motola
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112 Comments

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.

    Nazim

    Hi, I recently found out that Barclaycard has placed me on the MATCH List and I am so confused and outraged to why they would do this. I have an ecommerce business as a reseller of IT Software, I’ve partnered with a major brand so everything is 100% legit. Two months into the business Barclaycard terminate the account and freeze the money for 6 months without any reason, when I called them to find out why, they said they do not have to give a reason to cancel merchant accounts. A few weeks later I received 2 chargebacks, I submitted invoices and recorded calls between the customers and the sales agents but these where declined by Barclaycard. I asked them what else could I have provided and their exact reply was “even if you have CCTV footage of the customer making payment, we would still decline as evidence” what else could I have done.

    I apply for another merchant account with another acquirer I get declined, and the with another, get the same result. Only when I applied with Stripe, they told me I was on the MATCH list. Immediately I knew is was Barclaycard and when I confronted them their response was basically, “we can do whatever we want and there’s nothing you can do about it”.

    I also have a grocery store and our contract is coming to an end with the current acquirer (store was trading long before the IT software company), I applied for a new merchant and they have come to me with a decline also, they are two complete separate entities. So every company associated with me has been blacklisted and there is nothing I can do about it…How do these banks get away with ruining peoples lives????

    I anyone knows how I can fix this, please let me know, I would appreciate that very much.

      This comment refers to an earlier version of this post and may be outdated.

      Jessica Dinsmore

      Hi Nazim,

      We totally sympathize with you!! Unfortunately, so long as you remain on the MATCH list, you’ll be considered a high-risk merchant even if you wouldn’t otherwise qualify as one. If you’ve been added by mistake or due to PCI non-compliance, remember that you may be able to get off the list. But until or unless that happens, you’ll need a high risk merchant account, and we’d suggest you start with our top choices. We truly hope Barclay Card gives you some helpful feedback and at least tells you why they placed you on the MATCH list, so you can navigate your next steps more easily, and can get back to processing payments ASAP (with or without their cooperation)! All our best to you!

        Jarvis

        Hi,

        The VISA has filed my business and me under MATCH for money laundering and fined a 25k$ without any notice and giving me proper reasons or transactions details for which I am terminated. My payment gateway was stripe and stripe refuse to give me any details.

        Is this legal in any way to fine a 25K$ fine where my company total value is 1k$ as a startup this is very depressing?

        I don’t understand what to do.

        Can someone give me some suggestions on what I can do?

        I don’t care about MATCH I am just concerned about the 25000$ fine cause I am not rich or in fact, I have never seen this much money in the first place.

        Please someone help me.

          This comment refers to an earlier version of this post and may be outdated.

          Jessica Dinsmore

          Hi Jarvis,

          So sorry to hear this… The first thing you need to do is get a lawyer ASAP to fight the fine. It won’t be cheap, but it certainly should be less than the cost of the fine. A lawyer can also defend you against any criminal charges that might be filed as a result of Visa’s action. (Depending on resources available in your area, there may be a low-cost legal service you can contact for advice.)

          Step 2 is to find a high-risk provider. Durango might be the best choice here as they provide services to get customers taken off the MATCH list, when possible.

          We wish you the best of luck with this!

            This comment refers to an earlier version of this post and may be outdated.

            Sherrye

            Hello! Where do I start to determine what bank it is? My current bank does not have any idea what I’m talking about.

              This comment refers to an earlier version of this post and may be outdated.

              Jessica Dinsmore

              Hi Sherrye,

              Only the acquiring bank can put someone on the MATCH/TMF list. So you’ll have to first find the identity of your present or past acquiring bank. Your processor should be able to divulge that information. Once the acquiring bank has been established, they should be able to answer your questions. Best of luck!!

                This comment refers to an earlier version of this post and may be outdated.

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