Being on the MATCH list doesn't mean you can't process payments. Learn what the MATCH list is, why merchants get listed, and your options for obtaining processing while listed.
The MATCH list (Member Alert to Control High-Risk Merchants), also known as the TMF (Terminated Merchant File), is a database maintained by Mastercard that acquiring banks use to identify merchants whose accounts were previously terminated.
Common reasons for MATCH listing include:
Most MATCH listings remain active for five years from the termination date. After five years, the listing automatically expires. However, some listings (particularly for fraud or money laundering) may be permanent.
"MATCH listing is not a life sentence. Many merchants successfully obtain processing within 2-4 weeks of working with a specialist."
Yes, in some cases. If you were listed in error, you can request removal from the acquiring bank that placed you on the list. The bank must agree and submit removal documentation to Mastercard.
Not necessarily. Banks don't notify merchants when they're listed. However, if you're repeatedly denied by processors, MATCH listing is a likely cause.
No. MATCH is a merchant database, not a credit bureau. However, the underlying issues (bankruptcy, fraud) that caused the listing may affect personal credit.
Cybin Enterprises is a payment services intermediary specializing in high-risk merchant accounts. Our team brings decades of experience in payment processing, compliance, and risk management.
Expertise: High-risk underwriting, payment compliance, chargeback management, multi-processor routing
Understanding the factors that classify a business as high-risk is the first step to securing stable payment processing.
Chargeback disputes can threaten your merchant account. Discover how early dispute alert systems help merchants resolve issues before they escalate.
Whether you're dealing with account termination or launching a new high-risk business, we can help you secure stable payment processing.
