What is the MATCH List?
The MATCH List (Member Alert to Control High-Risk) is Mastercard's database of terminated merchants that payment processors consult during underwriting. When you're added to the MATCH List, it significantly impacts your ability to obtain new merchant accounts.
MATCH List Impact
- 95%+ rejection rate from traditional processors
- 5-year duration - listings don't automatically expire
- Cross-network impact - affects Visa processing too
- Public visibility - other acquirers can see your listing
The Dual-Track Recovery Strategy
Track 1: Immediate Continuity (2-7 Days)
While pursuing traditional merchant account recovery, establish immediate payment continuity through alternative channels:
Merchant of Record (MoR) Platforms
For digital/SaaS businesses, MoR platforms can provide immediate payment processing:
- Stripe Relay/Connect - For established SaaS with strong metrics
- FastSpring - Digital goods and software
- Paddle - Subscription software with global reach
Cryptocurrency Acceptance
Enable USDC/stablecoin payments for immediate transaction flow:
- Circle Business Account - Direct USDC acceptance
- Coinbase Commerce - Multi-crypto payment gateway
- BitPay - Established crypto payment processor
Track 2: Traditional High-Risk Processing (30-90 Days)
Document Preparation Checklist
- Government-issued ID and business registration
- 3-6 months of bank statements
- Previous processing statements (if available)
- Current refund/return policy
- PCI compliance certificate (if applicable)
- Business financial statements
- Website compliance documentation
High-Risk Processor Network
Focus on processors experienced with MATCH-listed merchants:
Tier 1 - Primary Options
- NMI - Flexible underwriting, competitive rates
- Authorize.Net - Established network, multiple bank connections
- PaymentCloud - Specializes in high-risk verticals
Tier 2 - Secondary Options
- eMerchantBroker - Aggressive underwriting
- Host Merchant Services - Quick approvals
- DirectPayNet - International options
Strategic Application Process
1. Full Disclosure Strategy
Always disclose your MATCH List status upfront. Processors will discover it during underwriting, and concealment will result in automatic rejection.
2. Reason Code Specific Approach
Common MATCH Reason Codes & Strategies:
- Code 01 (Account Data Compromise) - Emphasize enhanced security measures
- Code 02 (Common Point of Purchase) - Document security improvements
- Code 04 (Excessive Chargebacks) - Show chargeback management plan
- Code 07 (Fraud) - Provide fraud prevention documentation
- Code 10 (Violation of Standards) - Detail compliance improvements
3. Enhanced Terms Acceptance
Be prepared to accept stricter processing terms initially:
- Higher rates - Expect 3.5-6% vs standard 2.9%
- Rolling reserves - 5-20% of monthly volume held
- Volume caps - Monthly processing limits
- Extended settlement - 3-7 day funding delays
Handling Rejections
Reconsideration Scripts
When facing rejection, use these proven reconsideration approaches:
Script Template:
"We understand the MATCH listing creates additional risk. We're willing to accept:
• Higher reserve percentage (specify amount)
• Lower monthly volume caps (specify amount)
• Enhanced monitoring and reporting
• Graduated terms improvement over 6-12 months
We have [specific improvements/safeguards] in place since the original incident."
MATCH List Removal Process
Eligibility for Removal
Limited circumstances allow for MATCH list removal before the 5-year period:
- Listing Error - Incorrect information or identity mix-up
- Remediated Issues - Demonstrated resolution of underlying problems
- Acquirer Error - Improper listing procedures
Removal Documentation
- Written request to the listing acquirer
- Evidence of error or remediation
- Updated business documentation
- Third-party compliance certifications
Long-Term Recovery Strategy
Building New Payment History
Once approved with a high-risk processor:
- Maintain low chargeback ratios (<0.5%)
- Provide excellent customer service
- Implement robust fraud prevention
- Maintain PCI compliance
- Build financial reserves
Timeline for Term Improvements
- 3-6 months: Potential rate reductions
- 6-12 months: Reserve percentage decreases
- 12-18 months: Volume cap increases
- 18+ months: Access to additional processors