solutions
Payment ProcessingPOS Systems
Sectors
Automotive IndustryHealthcare IndustryFranchisesNon-ProfitsRecurring PaymentsRestaurantsSupermarketsTicketingUtilitiesSmall Ticket Interchange Pricing
Resources
Chargeback Management & PreventionInterchange & PricingPCI ComplianceAPI/Developer
Company
AboutBlogTerms and Conditions
Partnerssupport
Login
Dashboard
Chargeback Management & Prevention

MATCH/TMF

September 30, 2019
U

sually, when a merchant account is terminated, the merchant’s name and business is listed on MATCH—Member Alert to Control High Risk. Ending up on MATCH is the nightmare of legitimate merchants. This is because finding an individual’s name on MATCH means that most processors will not approve a different merchant account with the same owner due to the higher risk of potential for fraud.

What is MATCH/TMF?

MATCH (previously known as TMF, or Terminated Merchant File), is a database of merchants used by payment processing companies that contains information on merchants and individuals whose accounts have been terminated. Payment processors check MATCH for each new potential account to mitigate their own risk and keep their business safe. Once a merchant or individual is on MATCH, it is very difficult to be removed and very unlikely that another merchant account will be approved for processing.

Why Would A Merchant Account Be Terminated?

There are several reasons as to why a merchant account would be terminated:

  • Excessive chargebacks
  • Excessive unauthorized transactions
  • Money laundering
  • Merchant is convicted of fraud
  • Serious voilations of the merchant agreement
  • PCI non-compliance

Placing a merchant or an individual on MATCH is not a decision that an acquiring bank or payment processor makes lightly, so if you’re not committing fraud you are probably safe. MasterCard and Visa both have penalties in place for acquiring banks and payment processors who not comply with their regulations—both for placing merchants on MATCH and for failing to do so. However, mistakes do happen, and if you believe that you have been placed on MATCH in error be sure to speak with an attorney who has experience in the credit card industry.

Contact Us

Start Processing Payments Online

Fill in the form to get in touch with us and learn how your business can save on credit card processing fees.

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
More Posts

You Might Also Like

Card Verification Value (CVV)
Prevent chargebacks and fraud by implementing CVV.
Address Verification System (AVS)
Address Verification System (AVS) is a useful fraud prevention tool for merchants.
Retrieval Requests
When a bank or credit card company contacts a merchant to inquire about a transaction, this action is called a retrieval request, or sometimes a “soft chargeback."
Sep 30, 2019
Explore ALl Posts
Products
Payment ProcessingPOS Systems
Resources
Chargeback Management & PreventionInterchange & PricingPCI ComplianceAPI/Developers
Company
AboutBlogPartners
Buy Template
PayArc LLC is a registered ISO/SP of Commercial Bank of California, Irvine, California
PayArc is a registered ISO of Evolve Bank & Trust, Memphis, TN.
Copyright © 2019 PayArc - All rights Reserved | Privacy
Powered by Webflow