What to Do If Your Business Is Placed on the MATCH List

Imagine logging into your merchant account one day, only to find it’s been shut down—no warning, no explanation beyond a vague email. Then you discover your business is on the MATCH list, a blacklist that can feel like a death sentence for your ability to process credit card payments. If this happens to you, it’s a gut-wrenching moment, especially for small business owners or high-risk merchants who rely on steady cash flow. But it’s not the end of the road. Here’s what the MATCH list means, why it happens, and—most importantly—what you can do about it.

What Is the MATCH List?

MATCH stands for Member Alert to Control High-Risk Merchants. It’s a database maintained by Mastercard and used by credit card processors to flag businesses they see as risky or problematic. Think of it as a “do not trust” list shared across the payment industry. Once you’re on it, getting a new merchant account becomes a steep uphill climb, as most traditional providers check MATCH before approving you.

Why Was Your Business Added?

Processors don’t toss you on MATCH lightly—it’s usually tied to specific issues, like:

The catch? You might not even know why you’re listed—or that you’re on it—until you’re rejected by another provider.

Step 1: Find Out Why You’re on MATCH

You can’t fix what you don’t understand. Start by contacting the processor that terminated your account—they’re the ones who reported you to MATCH. Ask:

• What’s the exact reason code? (MATCH uses codes like “04” for chargebacks or “07” for fraud.)
• When were you added, and for how long? (Listings typically last 5 years.)
• What evidence did they use?

Get this in writing if possible. If they’re uncooperative, lean on your termination notice or contract for clues. Knowing the “why” is your first lifeline.

Step 2: Dispute It (If You Can)

If you think the listing is unfair—say, a mistake or misunderstanding—you can try to get off MATCH. Here’s how:

• Gather Proof: Compile records like sales receipts, customer correspondence, or compliance docs to counter their claims.
• Contact the Processor: Submit your case to the terminating processor, not Mastercard—they’re the only ones who can remove you. Be polite but firm.
• Escalate if Needed: If they stonewall, consult a payment industry attorney or expert who knows MATCH disputes.

Success isn’t guaranteed—processors rarely back down—but if the error is clear (e.g., identity mix-up), you’ve got a shot.

Step 3: Stabilize Your Operations

While you’re fighting the listing—or if removal isn’t an option—keep your business alive. Switch to cash, checks, or alternative payments (PayPal, Venmo) temporarily. Tap into savings or a credit line to cover gaps. It’s not ideal, but it buys you time to find a long-term fix.

Step 4: Seek a New Merchant Account

Here’s the reality: MATCH doesn’t mean you’re permanently banned from processing cards—it just means traditional providers will likely say no. The good news? Some processors specialize in helping MATCH-listed businesses get back on track. Look for:

• High-Risk Specialists: Providers who understand MATCH and work with terminated merchants.
• Transparency: Clear terms about fees and reserves, since MATCH can mean higher costs.
• Quick Setup: Time is money—find someone who can approve you fast.

A new account won’t erase MATCH, but it can restart your payment flow. For example, a subscription box company hit with MATCH for chargebacks could pivot to a high-risk-friendly processor and keep shipping without missing a beat.

Why Leap Payments Could Be Your Next Move

Getting off MATCH is tough, and waiting out the 5-year term isn’t always practical. That’s where Leap Payments steps in. We’re built to support businesses others turn away—yes, even those on MATCH. With:

• Experience handling high-risk and MATCH-listed merchants.
• Fast approvals to get you processing again.
• Solutions tailored to your industry and situation.

We won’t promise miracles—MATCH complicates things—but we can often find a way to keep your business moving. It’s about getting you back in the game, not leaving you stranded.

Don’t Let MATCH Define You

Being on the MATCH list feels like a scarlet letter, but it’s not the end of your story. Dig into the cause, fight it if you can, and line up a new merchant account to regain control. Leap Payments has helped businesses like yours navigate this mess—visit LeapPayments.com to see how we can do the same for you.