Yes, the MATCH list locks you out of mainstream processors for five years. No, it does not lock you out of processing. There are underwriters who board MATCH'd merchants every week — if your file is presented honestly and correctly.
One day you're processing, the next your account is closed, your funds are on hold, and nobody will tell you more than a reason code.
MATCH is checked by virtually every acquirer. Mainstream processors see the flag and auto-decline before a human ever reads your file.
MATCH placement lasts five years from listing. Waiting it out isn't a strategy — that's half a decade of your business on ice.
Every decline stacks onto your file. Worse, applying with “creative” information — a new LLC hiding the same owner, a massaged business description — is how merchants turn a recoverable situation into permanent blacklisting and even fraud exposure. The way back is narrow but real: full honesty, the right specialist underwriter, and a file built to address your specific reason code head-on.
MATCH isn't one list — it's thirteen reason codes, and underwriters treat them completely differently. Excessive chargebacks (code 04) is workable for many specialist acquirers if the underlying cause is fixed. A fraud code is a much harder road. The merchants who get back to processing are the ones whose file speaks directly to their code: here's what happened, here's what changed, here's why it won't happen again.
We know which processors in our network will board MATCH'd merchants, by code. That alone saves you months. Then we help you build the file: the explanation letter, the evidence of remediation, the reserve expectations, the realistic pricing. Underwriters say yes to merchants who make their job easy.
One more thing, because it matters: if anyone tells you they can get you “removed” from MATCH for a fee, walk away. Only the acquirer that listed you can remove you, and only if the listing was an error or the debt was settled. The honest path is placement despite the listing — and that path works.
A short set of questions about your business, your volume, and your situation. No documents needed yet, and nothing touches your credit.
Free • No hard credit pullA placement specialist reviews your answers against our processor network and walks you through the realistic options — which underwriters fit your profile, at what terms, and why.
No obligation • Plain EnglishOnce you pick a direction, we help you prepare and submit the application so it lands right the first time — and we stay with you until you are approved and processing.
Hands-on until you are liveA single processor can only offer you their box. We map your profile across an entire network and show you where you actually fit best.
Approvals are not luck. They are about presenting the right business, the right way, to the right desk. That is the part we do every day.
Blind applications create declines on your record, and declines make the next approval harder. We aim you once, at the right target.
Matching is half the job. We help with the application, the documents, and the follow-up until money is actually hitting your account.
When we place you with a processor, that processor pays us a referral fee. You don't pay us anything — not for the survey, not for the call, not for the application help.
Here's why that works in your favor: we work with dozens of processors, so we have no reason to push any particular one. And we only keep getting paid if you stay with the placement — a merchant who leaves in 90 days costs us money. Our incentive is literally to set you up to win. If we can get you to win, we win too.
Almost certainly not, and you should distrust anyone who claims they can. Only the listing acquirer can remove you, and only for listing errors or settled obligations. What we do instead: place you with processors who knowingly board MATCH'd merchants. That's the real-world solution.
Yes — and you want to. Specialist underwriters will see it anyway, and discovered concealment is an instant decline plus a credibility stain. Disclosed and explained, a MATCH listing is a known quantity they price for. We help you frame it correctly.
More than before, honestly. Expect higher rates and likely a rolling reserve, especially in year one. But terms improve as you build clean history, and part of our job is setting a 12-month path: get placed, process clean, renegotiate.
No. The call is a working session: we review your survey answers, show you which processors realistically fit your profile, and explain the trade-offs. If none of the options beat what you have, we will tell you that and part as friends. Pressure placements come back to bite us — merchants who feel pushed do not stay, and we only get paid when you stay.
The survey and the alignment call involve no credit check at all. A credit check only happens if and when you decide to submit an actual application to a processor — and we will tell you exactly when that step is coming, before it happens.
Nothing. Processors pay us a referral fee when a placement succeeds and sticks. You will never get an invoice from us.
Tell us what happened — the survey takes three minutes and nothing is judged. We'll tell you straight what your reason code means and which doors are still open.
Map My Way Back