How to Get Off the Match List: A Guide to Improved Business Practices

The Match List is a database maintained by Mastercard that tracks merchants who have been terminated or suspended by acquiring banks due to high levels of chargebacks or fraud.

Being on the Match List can result in difficulty finding a processing solution for future transactions and harm a business's reputation.

However, it is possible to get off the Match List by improving business practices, effectively disputing chargebacks, and working with acquiring banks.

If you're a merchant placed on the Match List, you may feel frustrated and unsure of how to proceed. The Match List, maintained by Mastercard, is a database that tracks merchants who have been terminated or suspended by acquiring banks due to high levels of chargebacks or fraud. Being on the Match List can make it difficult to find a processing solution for future transactions and can harm your business's reputation.



The first step in Getting Off Match List is to understand why you were placed on the list in the first place. This can often be due to excessive chargebacks, fraud, or other unethical business practices. To address the issue, you'll need to take steps to reduce chargebacks and improve the security of your payment processing methods. This can include implementing more secure payment methods, improving customer service to reduce chargebacks, or working with acquiring banks to resolve any disputes.


In addition to improving business practices, you can also work to dispute any incorrect or unjustified chargebacks effectively. This may involve gathering evidence, such as receipts and customer complaints, and presenting it to the acquiring bank to demonstrate the validity of the transactions. You should also regularly monitor your chargeback ratios and take steps to reduce them if necessary.


Another key component of Getting Off Match List is working with acquiring banks. This may involve negotiating a chargeback threshold or finding a payment facilitator who can help you find a processing solution. By working with an acquiring bank or payment facilitator, you can establish a track record of responsible business practices and demonstrate your commitment to reducing chargebacks and improving the security of your payment processing methods.


In conclusion, getting off the Match List is possible with the right approach. By improving business practices, effectively disputing chargebacks, and working with acquiring banks, you can demonstrate your commitment to responsible business practices and find a processing solution for future transactions.


Reference:


Mastercard. (2021). Terminated Merchant File (TMF) Program. Retrieved February 10, 2023 from https://www.mastercard.us/content/dam/mccom/global/documents/terminated-merchant-file-program-guideline.pdf

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