The TMF/MATCH database is a blacklist — but it's not permanent, and it's not a ban from all banks. RetryHub knows which banks work with listed merchants.
Most merchants on MATCH were put there because of excessive chargebacks or fraud — not because they did anything criminal. Here's what it actually means.
Chargeback ratio above 1% for multiple months. The most common reason — often caused by poor fulfilment, misleading ads, or subscription confusion.
Processor detected suspicious transaction patterns. Can be from fraudsters targeting your checkout, not necessarily your own actions.
Processing prohibited goods, misrepresenting your business type, or exceeding volume limits set in your merchant agreement.
Court judgements, regulatory actions, or investigations relating to your business. The most difficult MATCH reason — but options exist.
Processing payments for another merchant through your account. Serious violation — some offshore options may still work.
Fraudulent application or identity issues. Hardest to overcome — we'll be honest with you about what's possible.
Tell us why you were listed, your industry, monthly volume, and history. We give you an honest assessment of your options — no false promises.
Our network includes banks and offshore acquirers who do not require Mastercard membership and don't check the MATCH database — or who specifically work with listed merchants for certain industries.
A new account with controlled volume lets you demonstrate improved chargeback management. This matters when your listing expires in 5 years and you want to return to mainstream processing.
Tell us your situation. We'll be honest about your options. No hard sell, no upfront fees.
🔒 Private and confidential. We never share your information.