MATCH List (TMF) Explained: How to Get Off and Get Approved

What Is the MATCH List?

The MATCH list (Member Alert to Control High-Risk Merchants), formerly known as TMF (Terminated Merchant File), is a database maintained by Mastercard. It contains information about merchants whose accounts have been terminated.

Why Merchants Get Added to MATCH

Excessive chargebacks (over 1%)

Fraud

Processing violations

Business closure with outstanding chargebacks

Identity theft or misrepresentation

How Long Do You Stay on MATCH?

Merchants typically remain on the MATCH list for 5 years from the date of addition.

Can You Get a Merchant Account While on MATCH?

Yes! Being on the MATCH list doesn't mean you can't process payments. It means you need a specialized processor who:

Understands your situation

Has banking partners willing to take calculated risks

Can structure your account appropriately

How PayWithLegacy Helps MATCH-Listed Merchants

We specialize in working with merchants others reject. Our process:

1. Review Your Case - Understand why you were listed

2. Find the Right Partner - Match you with understanding processors

3. Structure for Success - Set up monitoring and compliance

4. Ongoing Support - Help you stay in good standing

Don't Let MATCH Stop You

Contact us today. We've helped hundreds of MATCH-listed merchants get back to processing.