What the database is for
An acquiring institution can use MATCH during merchant onboarding to identify records associated with merchants that were terminated for specified reasons. A record can materially change the underwriting conversation, but the database itself does not make the final approval decision.
How merchants get there
The relevant acquiring institution reports a terminated merchant when the circumstances fall within Mastercard’s applicable rules and reason codes. The exact facts, dates, identities and reporting basis matter.
Can a merchant “remove itself”?
There is no self-service delete button. A merchant generally has to work through the reporting acquirer when a record is inaccurate, no longer appropriate under the rules, or otherwise needs correction. Legal advice may be appropriate for a disputed listing.
Frequently asked questions
What is the MATCH list?
MATCH (Mastercard Alert to Control High-Risk Merchants) is a database acquirers use during onboarding to see whether a merchant or its principals were previously terminated for specified reasons. It is often called the terminated merchant file.
How long does a MATCH record stay?
The retention period is set in Mastercard's rules and is commonly cited as five years. Check the current Mastercard Security Rules and Procedures for the exact period and conditions.
Can I remove my business from MATCH myself?
No. There is no self-service removal. A merchant generally works through the acquirer that reported the record when it is inaccurate or no longer appropriate under the rules. Legal advice may help in a disputed case.
Can a merchant on MATCH still accept cards?
Sometimes. A record changes the underwriting conversation but does not make the approval decision. Some acquirers will review the reason, the time elapsed and the controls now in place. Treat any guaranteed approval claim with caution.