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3 Typical Ways To Get Your Business Out of the High-Risk Merchant’s Blacklist

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Merchant file is a list of businesses terminated for violations of the credit card company’s rules. The MATCH program helps identify these merchants and minimize fraud by preventing them from accepting payments through processing companies. It can be frustrating when your business gets put on this list, but there are three common ways to get off it and start making money again!

Comply With Payment Card Industry Standards (PCI)

PCI is a set of standards for credit card transactions. It’s not just about protecting information but also controlling how merchants store and transfer data to prevent fraud. If you’re on the MATCH list, then you need to know what PCI requires to get off the list.

A merchant in the MATCH List cannot store credit card numbers and expiration dates on any type of computer but can encrypt them with a key or code. In addition, merchants have to produce an audit report that shows they are PCI compliant by using encryption software like BitLocker for Windows systems and FileVault for Apple systems.

The three typical ways to get off of match list are: First, you can encrypt all stored cardholder data with a key or code; Second, you must maintain and implement an effective information security program that includes safeguards against unauthorized access to sensitive cardholder data by employees and other individuals given access to it; and Third, you must maintain a firewall configuration to prevent unauthorized access from outside the network.

5 Year Period Wait

One quick way to get your business out of the MATCH list is to wait five years. However, if you’ve been in operation for less than five years, there are some requirements an organization must meet before it can file a termination request with UCC:

  • Any open bankruptcy cases or lawsuits against the company; and
  • The company has not been in operation for five years.

If you have met the requirements, your business will be terminated from MATCH after 180 days, which is typically six months.

Erroneous Mistake

An erroneous mistake is when a company incorrectly files its registration information with the MATCH. This can happen if there are incorrect or missing fields in your form, such as the address of your business location. If this happens, you will be placed on file and may not know it until an incident occurs that causes someone to review your account history. Erroneous mistakes can be challenging to fix. In the majority of cases, it means reapplying for registration and correcting any errors on your forms before submitting them. In addition, you may not even know you were incorrectly registered until an incident occurs that causes someone in law enforcement to review your account history such as a crime report or subpoena for information.

It is vital to keep your business registration information up-to-date. Updating your account will help avoid inaccurate or incomplete information appearing in law enforcement records, which can cause delays in investigations and other issues for you as a merchant.


This article has explained how to get your business out of the MATCH list. There are three typical ways: hire a good lawyer, ask for voluntary removal from participating in the MATCH program, or wait until you have no more active cases.

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