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Everything You Need To Know About The MATCH List & Terminated Merchant File

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Hsin-Wei Luang

Hsin-Wei Luang

Hsin-Wei is a freelance writer focused on small business and technology writing. Before becoming a writer, she worked as a techie lawyer for many years until she came to her senses. Now, in her spare time, she plays frisbee with her Mini Australian Shepherd dog.

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104 Comments

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    Tory Brogan

    Thank you for this article. I am at the beginning stages of this. I have had no charge-backs, no unpaid bills, any issues with customers I have settled immediately. Somehow I ended up on this list and my STRIPE account was terminated, and they have no information. Indicate that I should contact my previous processor – I have done that and they have no knowledge or record of doing this. Is there any way I can see who submitted or what the code is for MATCH – this seems like a super secret blacklist that hides all information from those who are being blacklisted. How can that be right or fair – I should have the ability to defend myself, resolve, dispute. Where should I start?

      Jessica Dinsmore

      Hi Tory,

      How frustrating! Hopefully, I can help a little. To answer your questions, 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!!

        sasha revankar

        Hello,

        We have just been notified our current processor that we have been working for a few years has stopped servicing us. THey say another processor has put us on the TMF file. I am completely confused because we havent used another party before. Can you let me know how I can find out which processor put us on the list? We dont have any excessive chargebacks, we are simple online ecommerce store on shopify.

          Jessica Dinsmore

          Hi Sasha,

          Only the acquiring bank can put someone on the MATCH list, so you’ll have to first find the identity of your present or past acquiring bank. The best way to do that is to probably ask your processor. They should be able to tell you. Good luck!

            INNOCENT OBIALOR

            My merchant account was terminated and the Merchant reason was Retro Match.

            What does it mean

              Jessica Dinsmore

              Hi “Innocent”,

              We haven’t been able to find a reference to that specific term, so we can’t say what it means. You could try reaching out to your previous processor to find out who the acquiring bank was and see if they will tell you. Otherwise, I’d suggest following the advice in this post. Best of luck to you!

                Lisa

                I have a merchant who’s identity was stolen to get a fake merchant account in his business name. The fraudulent merchant account ran stolen credit cards for a limited time and of course was shut down after every transaction resulted in a chargeback. The fraudulent account must have been written for a small annual volume because there was no hard credit check on my merchant. Now my merchant is on the Watch list and he wasn’t the one that actually opened the merchant account. Does anyone know of a way to find out who the acquirer was that placed him on the list? He received nothing regarding the shut down of the account or anything and I’m thinking the fraudulent account must have had his correct address, unless the acquirer did no account underwriting?!?
                Thanks!

                Lisa

                  Jessica Dinsmore

                  Hi Lisa,

                  This situation is outside of our expertise, but if a police report has not already been filed for identity theft, that may be a good place to start. Or maybe try the card associations first and see what they suggest. Good luck to you!

                    B Wadhwa

                    We started a new business in 2016 then changed name in 2019. Change was processed by Georgia SOS Meanwhile, we bought a domain name to match with new name in 2018. We are trying to activate card payment services using Stripe and were told that our domain is on Match list. None of our members \ owners were associated with another business that might have used this domain and violated MC policies before. Who can help us get off this Match List ? How much it would it cost ? how long will it take and what information will be required from us ?

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

                      Emily Hale

                      Hi and thanks for your question!

                      We suggest that you check out merchant account providers that deal specifically with high-risk merchants and see how you can work around this issue with the Match list. Two of our top picks are Durango and PaymentCloud. Hope this helps and best of luck!

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

                        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?

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

                          Jessica Dinsmore

                          Hi Bob,

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

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

                            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

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

                              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

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

                                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

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

                                  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.

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

                                    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?

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

                                      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!

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

                                        Never Branson

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

                                        Or a current status if so

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

                                          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.

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

                                            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

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

                                              Rodney Rockwell

                                              Have been working for this company for 2.5 years now have been unable to determine why I can’t get a Merchant System for him to use. Finally Chase bank ok’ ed us then two days later dropped us so I said I wanted to know why? They sent me a letter saying that the company or individual was listed on MATCH The letter said that Wells Fargo was the reporting Bank, so I talked to them and they said they can’t find any info on the subject. I always run into dead ends! I have tried to locate a phone number to MATCH with no luck. I can supply you with more info if needed. Any help would be great!
                                              I have 6 more sites and they all are affected.
                                              Thanks, Rodney

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

                                                Emily Hale

                                                Hi Rodney,

                                                I can see why you would be frustrated. You might try some of the companies we highlight in our post The Best High Risk Merchant Account Providers. Some high-risk providers (e.g., Durango) help merchants get off the MATCH list. Note that in some cases, being on the MATCH list may preclude a business from getting approved for even a high-risk account, unless it’s set up with an offshore bank. You might also want to check out our post, The Best Offshore Merchant Account Providers if you don’t have any luck with the high-risk merchant account providers. I wish you the best of luck!

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

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