Reason why a merchant get on the MATCH list?


The MATCH/TMF store information about terminated accounts. This means that every time a business account is dropped by a provider, the reason for this is denoted into a list maintained by MasterCard.

Getting put on MATCH list means that you’ll have difficulty opening up another merchant account. These are necessary for you to accept and process credit card payments, which will severely limit your income potential. There are ways to get off the MATCH list or to avoid being in a MATCH list, you should know what could be the possible causes that can add you in a MATCH list.

Numerous chargebacks: The number one reason for being added to MATCH is having too many chargebacks. Chargebacks happen when a customer reverses a transaction with their bank rather than requesting a refund or replacement. it's extremely frustrating to get on a MATCH list because of chargebacks because it's out of your control. But MATCH doesn't care about it. 

Fraudulent Behavior:

Another reason involves fraudulent behavior. There are several different avenues where this might originate from. If a business or owner is convicted of fraud, then they will surely get put on MATCH. Alternatively, being involved in laundering or collusion will also cause a business to land on MATCH. 

Compromised Data:

One other reason for being added to MATCH includes having compromised data. All businesses are obligated to keep customer data secure from unauthorized access. Any form of data compromise is a violation of their responsibilities as a merchant.

Identity theft: One last aspect of this is being involved in identity theft. If an owner is a victim of identity theft or is believed to be using an inappropriate identity to open the account, then MATCH is a likely destination for them.

Getting off MATCH list

According to MasterCard, entries are kept in the system for five years. This is obviously too long to wait for many merchants. Therefore, you may be wondering how you can get removed.

Unfortunately, getting removed from MATCH is notoriously difficult. The only way to get taken off is to work with the bank that entered you into the system. Depending on why you were entered into the system in the first place, you may be able to take steps to resolve the situation. Some causes are impossible to circumvent, however. If you were convicted of fraud, you are probably stuck on the list.

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