When a merchant experience the following notification from the merchant processing banks: he has been convicted of credit card fraud; he deposited sales that were not authorized by cardholders, most typically in a card not present environment with reoccurring charges; he deposited transaction that were for sales generated by another business (known as laundering which oftentimes, this seems like an innocent practice of one business owner helping another; he deposited an excessive number of counterfeit sales; and the acquirer has received an excessive number of cardholder chargebacks due to the merchant’s practices, then, the acquiring banks itself which is the merchant processing banks will notify the merchant of intent to terminate his merchant account.

If this terminated merchant account will happen, the acquirer is then required to list the merchants’ business and principal names on the terminated “MATCH” file. And once he is on this list, it is highly unlikely that future merchant account applications will be approved. The “tmf“, or MATCH list, is essentially a blacklist from which it is almost impossible to be removed.

Finding a solution for this merchant situation of facing termination, is much the better for him. He can deal with a company or an enterprise solution that focused on assisting merchants facing termination, merchants who have been terminated, or merchants looking to avoid termination. It is also better for him if he can found a company who has reputation, experiences and resources to MATCH which is the best the merchant can ask for.