Merchant Accounts and Underwriting
How to Get Off the MATCH List
How to Get Off the MATCH List
The MATCH (Member Alert to Control High-Risk) list is a database maintained by card networks to track merchants who have had their accounts terminated for high-risk activities or violations. Being on the MATCH list can make it difficult to secure new merchant accounts, as acquiring banks often view listed businesses as risky. Understanding how to get off the MATCH list is crucial for merchants looking to regain access to payment processing services.
Steps to Remove Your Business from the MATCH List
Getting off the MATCH list requires a combination of time, compliance, and proactive communication with payment processors. Here are practical steps to guide you through the process:
- Review the reason for your MATCH listing and address the underlying issues that caused account termination.
- Wait for the mandatory waiting period, which is typically five years before the listing automatically expires.
- Contact the acquiring bank or card network that reported your business to request removal, if applicable.
- Demonstrate improved business practices and compliance with card network rules to potential new processors.
- Consider using services like Merchant Statement Scanner to analyze your processing fees and statements, helping you identify areas for improvement and prepare for underwriting.
If you have access to your previous merchant statements, scanning a PDF statement with Merchant Statement Scanner can provide detailed insights into your processing history and fees. This information can be valuable when applying for new merchant accounts or negotiating with processors.
Next Steps to Regain Merchant Processing Access
Once you understand your MATCH status and have taken steps to address it, focus on building a strong underwriting profile. Maintain transparent records, improve your business practices, and work with payment processors that specialize in high-risk accounts if necessary. Using tools that analyze your merchant statements can support your efforts by providing clarity on fees and processing details.
Related guides in this hub
Verify this against your real statement
Upload a PDF merchant statement to see fees, categories, and effective rate.