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

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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 MerchantMaverick.com. Have any questions related to credit card processing? Talk to him.
Amad Ebrahimi
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88 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.

    Bob

    In 2015 I was put on the list for Code 14 “Identity Theft” The Match report shows that An account was opened on 9/16/2015 using my name and home address. The account was closed the next day. I have been unable to find out who actually put me on the list. Is this information that Mastercard would have and if so, how do I get them to tell me?

      Jessica Dinsmore

      Hi Bob,

      Typically it is the banks that report to the TMF, so I’d start there. Good luck!

        Syed M Hussain

        I would love to talk to you sir a this is very important for me and my future to have merchant account and payment gateway for my businesses.

        Thanks
        Syed

          Jessica Dinsmore

          Hi Syed,

          If you’d like to email a more detailed question, we will do our best to help! We can be reached at service@merchantmaverick.com

            marilyn

            If you get on the match list for one company, and have multiple businesses in different industries,
            will all the businesses be affected or only the one on the match list,( which is for on;line orders while the others are not?) Thank You

              Jessica Dinsmore

              Hi Marilyn,

              You pose a very good question! In fact, you’ve stumped us! But we suspect it would depend on whether the listing on the MATCH list is for the business name or the actual merchant. In the latter case, probably every business owned by that merchant would be affected.

                Mike Harbour

                I just found out I am on the the TMF list and have no idea why…I have been using PayPal for some minimal transactions but no e-commerce…now I just applied for Stripe and got notice back i am on this list…how do I find out who put me on the list and how do I contact stripe?

                  Jessica Dinsmore

                  Hi Mike,
                  I’m so sorry! Unfortunately, you’ll need to figure out who put you on the list, and then reach out to them directly. We don’t have Stripe’s contact info, but I’d expect a quick google search should be able to help you find it. I wish I had more helpful answers for you! Good luck to you Mike!

                    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.

                        Rick

                        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.

                              Adi

                              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?
                              Thanks

                                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!

                                  Todd

                                  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.

                                      Victor

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

                                        Sat

                                        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?

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

                                          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.

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

                                            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).

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

                                              Roxanne

                                              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

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

                                                Aimee

                                                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.
                                                Thanks!
                                                Aimee

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

                                                  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?

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

                                                    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???

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

                                                      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?

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

                                                        Julie

                                                        Roxanne,

                                                        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!

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

                                                          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?

                                                              Damian

                                                              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

                                                              Thanks
                                                              Damain

                                                                Jay

                                                                Roxanne, can you give me some details about getting removed from MATCH? I was put on by first data. Who needs to be contacted there? Is there an email or phone number ?
                                                                Thank you

                                                                Jason

                                                                  Susie

                                                                  Hi Roxanne,

                                                                  I work for a company in a similar situation and I’m having a hard time finding any avenue for recourse. They are a small family business that makes their own skincare products and one product contained CBD/hemp oil so their processor just abruptly cut them off and put them on the MATCH list. Now they are going to go out of business and can’t open another due to the owners being on the list too. Any advice would be appreciated. Please email me.

                                                                  Thank you,
                                                                  Susie

                                                                    Damian

                                                                    Jason can you email me do I can talk about a issue with a match lost issue

                                                                    Damian

                                                                      LI

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

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

                                                                        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.

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

                                                                          Adam

                                                                          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?

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

                                                                            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.

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

                                                                              John

                                                                              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.

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

                                                                                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.

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

                                                                                  Jessica Dinsmore

                                                                                  Derrick,

                                                                                  I’d recommend you get in touch with Durango.

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

                                                                                    GS Sridhar

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

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

                                                                                      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.

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

                                                                                        BankCardLaw.com

                                                                                        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.

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

                                                                                          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.

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

                                                                                              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.

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

                                                                                                Sheryl

                                                                                                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.
                                                                                                Sheryl

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

                                                                                                  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 ?

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

                                                                                                    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.

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

                                                                                                      John

                                                                                                      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.

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

                                                                                                        natalie

                                                                                                        Hi,
                                                                                                        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.
                                                                                                        thanks

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

                                                                                                          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.

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

                                                                                                            Kris

                                                                                                            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?

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

                                                                                                              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: https://www.chasepaymentech.com/contact_us_overview.html

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

                                                                                                                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.

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

                                                                                                                  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.

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

                                                                                                                    erica

                                                                                                                    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.

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

                                                                                                                      Matt

                                                                                                                      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 anywhere.com). Who would I contact for resolution?

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

                                                                                                                        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.

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

                                                                                                                          Hari

                                                                                                                          Hello,
                                                                                                                          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.

                                                                                                                          Thanks
                                                                                                                          Hari

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

                                                                                                                            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.

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

                                                                                                                              Hari

                                                                                                                              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
                                                                                                                              Hari

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

                                                                                                                                Adel

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

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

                                                                                                                                  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.

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

                                                                                                                                    Hari

                                                                                                                                    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
                                                                                                                                    Hari

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

                                                                                                                                      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.

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

                                                                                                                                        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

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

                                                                                                                                          Steve

                                                                                                                                          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?

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

                                                                                                                                            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 list.my 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?

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

                                                                                                                                              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.

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

                                                                                                                                                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.

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

                                                                                                                                                  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?

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

                                                                                                                                                    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

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

                                                                                                                                                      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.

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

                                                                                                                                                        Harry

                                                                                                                                                        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.
                                                                                                                                                        Regards,
                                                                                                                                                        Harry

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

                                                                                                                                                          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,
                                                                                                                                                          Tom

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

                                                                                                                                                            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.

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

                                                                                                                                                              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

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

                                                                                                                                                                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.

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

                                                                                                                                                                  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.

                                                                                                                                                                  -Tom

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

                                                                                                                                                                    John

                                                                                                                                                                    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 ?

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

                                                                                                                                                                      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.

                                                                                                                                                                      Best,
                                                                                                                                                                      Tom

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

                                                                                                                                                                        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. !!!

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

                                                                                                                                                                          anon

                                                                                                                                                                          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?

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

                                                                                                                                                                            Felisza

                                                                                                                                                                            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.

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

                                                                                                                                                                              Michael

                                                                                                                                                                              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?

                                                                                                                                                                              Thanks,
                                                                                                                                                                              Michael

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

                                                                                                                                                                                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.

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

                                                                                                                                                                                  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…..in short do merchant account banks do annual credit reports?
                                                                                                                                                                                  Thanks.
                                                                                                                                                                                  Sam

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

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