MATCH/TMF Removal for E-Commerce Sellers – Restore Payment Processing Fast

Being listed on the MATCH list or TMF database can instantly cut off a seller’s ability to process credit card payments. For many e-commerce businesses, that’s effectively a shutdown. This guide explains exactly what these databases are, why merchants get listed, and—most importantly—how to get removed and protect your business from future bans.

What Are MATCH and TMF?

• MATCH (Mastercard Alert to Control High-Risk Merchants) is a database maintained by Mastercard, used by acquiring banks and payment processors to identify businesses deemed high-risk.

• TMF (Terminated Merchant File) is a similar database often used interchangeably with MATCH, particularly in Visa contexts.

• Both are industry-wide tools—if you’re on one, virtually all major processors will see the record before approving your merchant account.

Why it matters: These lists are not public, but they can stop your ability to open or maintain a merchant account.

Why Merchants Get Listed

• Excessive Chargebacks – Going over card-network thresholds (often 1% of transactions).

• Fraud Flags – Actual or suspected fraudulent activity.

• Regulatory Compliance Issues – PCI DSS violations, prohibited product sales, or non-compliance with KYC/AML rules.

• Bankruptcy or Insolvency – Some processors list merchants when financial stability is in question.

Quick Reference: Common MCC Codes That Trigger Review

Industry Oversight

• Visa Risk Monitoring Program (VRMP) – Tracks merchants with excessive chargebacks or fraud.

• Mastercard BRAM (Business Risk Assessment and Mitigation) – Compliance enforcement for Mastercard transactions.

• Acquiring Banks & ISOs – Ultimately responsible for placing or removing merchants from MATCH/TMF.

How to Get Removed from MATCH/TMF

Step 1: Confirm your listing – Request confirmation from your acquiring bank.
Step 2: Identify the reason code – MATCH records have codes that specify why you were listed.
Step 3: Correct underlying issues – Resolve chargeback problems, compliance failures, or documentation gaps.
Step 4: Submit removal request – Only your acquiring bank or the listing bank can remove you.
Step 5: Follow up persistently – Removal timelines can range from 2 weeks to several months.

Timeline Snapshot:

• Initial confirmation: 1–2 weeks

• Issue resolution: Varies (often 30–60 days)

• Formal removal: 14–45 days after approval

Preventing Future Bans

• Chargeback Management: Use alerts, fraud filters, and clear refund policies.

• Compliance Audits: Annual PCI DSS checks and KYC documentation reviews.

• Transaction Monitoring: Watch for unusual volume spikes or foreign transaction patterns.

MATCH/TMF FAQs

How do I know if I’m on MATCH?
Your bank or payment processor must confirm your status. There is no public search tool.

Can I be removed before 5 years?
Yes—if the underlying issue is resolved and the acquiring bank agrees to submit a removal request.

Who adds merchants to TMF?
Typically, acquiring banks or payment processors based on Visa/Mastercard guidelines.