{"id":40,"date":"2026-11-09T14:00:00","date_gmt":"2026-11-09T14:00:00","guid":{"rendered":"https:\/\/truelinepay.com\/blog\/?p=40"},"modified":"2026-11-09T14:00:00","modified_gmt":"2026-11-09T14:00:00","slug":"match-list","status":"publish","type":"post","link":"https:\/\/truelinepay.com\/blog\/match-list\/","title":{"rendered":"MATCH List: What It Is, Why Merchants Land on It and What to Do Next"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Five years is a long time to carry a record written for bankers, not for you. Yet that&#8217;s how far a search of the MATCH list reaches back.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When an acquiring bank ends a merchant account for certain reasons, it reports the business and its owners to a Mastercard database. Other acquirers check that database before they sign a new merchant. So a problem with one provider can follow you to the next.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A listing isn&#8217;t a lifetime ban, though, and it doesn&#8217;t make your next application an automatic no. Bank examiners and Visa both tell acquirers to make their own call. A fair review still takes work on your side.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This guide covers what the list is, how merchants land on it and what each reason code means. You&#8217;ll also learn how to check your status, what to do next and which mistakes make things worse. At True Line Pay, a past closure doesn&#8217;t automatically disqualify an applicant, though approval is never guaranteed.<\/p>\n\n\n\n<nav class=\"tlp-toc\" aria-label=\"Table of contents\" style=\"border:1px solid rgba(255,255,255,.16);border-radius:18px;padding:24px 28px;background:rgba(255,255,255,.03)\"><p style=\"font-family:var(--f-mono);font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:#CCFF00;margin:0 0 12px\">Table of Contents<\/p><ol style=\"margin:0\"><li><a href=\"#plain-terms\">The MATCH List in Plain Terms<\/a><\/li><li><a href=\"#reason-codes\">How Merchants Land on the MATCH List<\/a><\/li><li><a href=\"#visa-rules\">Visa Runs a Parallel Track<\/a><\/li><li><a href=\"#find-out\">How to Find Out If You&#x27;re Listed<\/a><\/li><li><a href=\"#what-to-do\">What to Do Next If You&#x27;re on the MATCH List<\/a><\/li><li><a href=\"#mistakes\">Moves That Make a Listing Worse<\/a><\/li><li><a href=\"#applying-again\">Applying Again With a Listing<\/a><\/li><li><a href=\"#key-takeaways\">Key Takeaways<\/a><\/li><li><a href=\"#faq\">Frequently Asked Questions<\/a><\/li><li><a href=\"#conclusion\">Conclusion: A Listing Is a Hurdle, Not the End<\/a><\/li><\/ol><\/nav>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"plain-terms\">The MATCH List in Plain Terms<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The MATCH list is a Mastercard database of merchants and owners whose accounts were ended for certain risk reasons. MATCH stands for Member Alert to Control High-risk Merchants. Acquirers check it before signing a new merchant, so a listing can follow a business and its owners to the next application.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Today Mastercard calls the system MATCH Pro, and its <a href=\"https:\/\/developer.mastercard.com\/match\/documentation\/\" target=\"_blank\" rel=\"noreferrer noopener\">developer documents<\/a> describe it as mandatory for Mastercard acquirers. You may also hear &#8220;terminated merchant file&#8221;, which is the term in Visa&#8217;s rules. The <a href=\"https:\/\/www.occ.gov\/publications-and-resources\/publications\/comptrollers-handbook\/files\/merchant-processing\/pub-ch-merchant-processing.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">OCC&#8217;s merchant processing handbook<\/a> says Visa USA and American Express use MATCH too, though that text dates from 2014.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How a Listing Works, Step by Step<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Here&#8217;s the path from a closed account to a record other banks can see. These steps come from Mastercard&#8217;s public documents.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>An acquirer decides to end the account.<\/strong> The reason has to fit one of the MATCH Pro reason codes.<\/li>\n\n<li><strong>It files a record within 5 days.<\/strong> The record includes merchant and principal owner details plus the reason code.<\/li>\n\n<li><strong>The record goes live.<\/strong> Mastercard says other acquirers can see it in real time.<\/li>\n\n<li><strong>New applications get checked.<\/strong> Before signing a merchant, an acquirer submits the details of the business and its owners. The search covers records added over the past five years and returns exact or phonetic matches.<\/li>\n\n<li><strong>The search can keep running.<\/strong> Mastercard&#8217;s <a href=\"https:\/\/developer.mastercard.com\/match\/documentation\/use-cases\/\" target=\"_blank\" rel=\"noreferrer noopener\">use-case page<\/a> says that if nothing matches at first, MATCH Pro keeps searching for 360 days and emails the acquirer if a match appears.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">That last step matters. A clean first check doesn&#8217;t mean a past problem can&#8217;t surface later, so hiding one is a poor bet.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How Long a Listing Lasts<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mastercard&#8217;s public developer pages describe a five-year search window, not a listing term. Industry write-ups describe it as a five-year listing. For your exact date, ask the acquirer that filed the record.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What a Listing Is Not<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A few things often get mixed up with MATCH. Keeping them apart will help you plan.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>A decline.<\/strong> MATCH records terminations, so being turned down on an application is a different thing.<\/li>\n\n<li><strong>A court finding.<\/strong> The OCC handbook says it&#8217;s &#8220;not uncommon&#8221; for merchants to be listed for technical violations of their agreements, or for chargebacks that caused the processor no loss.<\/li>\n\n<li><strong>The final word.<\/strong> The handbook says an inquiring bank should always base its decision on its own investigation. Visa&#8217;s rules say terminated merchant data should be used only as an informational tool.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"reason-codes\">How Merchants Land on the MATCH List<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Each record carries a two-digit reason code. Mastercard&#8217;s use-case page names the codes below, and the rest sit in its <a href=\"https:\/\/www.mastercard.com\/content\/dam\/mccom\/shared\/business\/support\/rules-pdfs\/SPME-Manual.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Security Rules and Procedures<\/a>. The plain-English notes are ours, not Mastercard&#8217;s.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Code<\/th><th>Name in Mastercard&#8217;s documents<\/th><th>In plain English<\/th><\/tr><\/thead><tbody><tr><td>01<\/td><td>Account Data Compromise<\/td><td>Card data was exposed through the business<\/td><\/tr><tr><td>03<\/td><td>Transaction Laundering<\/td><td>Another business&#8217;s sales ran through the account<\/td><\/tr><tr><td>04<\/td><td>Excessive Chargebacks<\/td><td>Too many disputes for the sales volume<\/td><\/tr><tr><td>05<\/td><td>Excessive Fraud<\/td><td>Too many fraud reports for the sales volume<\/td><\/tr><tr><td>11<\/td><td>Merchant Collusion<\/td><td>The acquirer believes the business worked with others on fraud<\/td><\/tr><tr><td>12<\/td><td>PCI Noncompliance<\/td><td>The business didn&#8217;t meet card data security standards<\/td><\/tr><tr><td>13<\/td><td>Illegal Transactions<\/td><td>Sales that broke the law<\/td><\/tr><tr><td>14<\/td><td>Identity Theft<\/td><td>A stolen identity is tied to the account<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"900\" src=\"https:\/\/truelinepay.com\/blog\/wp-content\/uploads\/2026\/10\/match-list-reason-codes.webp\" alt=\"Four MATCH list reason codes explained in plain English: 04 chargebacks, 05 fraud, 03 laundering and 12 data security\" class=\"wp-image-39\" srcset=\"https:\/\/truelinepay.com\/blog\/wp-content\/uploads\/2026\/10\/match-list-reason-codes.webp 1600w, https:\/\/truelinepay.com\/blog\/wp-content\/uploads\/2026\/10\/match-list-reason-codes-300x169.webp 300w, https:\/\/truelinepay.com\/blog\/wp-content\/uploads\/2026\/10\/match-list-reason-codes-1024x576.webp 1024w, https:\/\/truelinepay.com\/blog\/wp-content\/uploads\/2026\/10\/match-list-reason-codes-768x432.webp 768w, https:\/\/truelinepay.com\/blog\/wp-content\/uploads\/2026\/10\/match-list-reason-codes-1536x864.webp 1536w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><figcaption class=\"wp-element-caption\">Four of the reason codes Mastercard names in its documents.<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">You&#8217;ll find exact numeric triggers for codes 04 and 05 quoted online, but those summaries don&#8217;t agree with each other, so we won&#8217;t repeat one here. Mastercard&#8217;s rule text governs. Ask the listing acquirer which test it applied.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">The Problems That Can Sit Behind a Code<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">These are the kinds of business problems that can lead to a listing. They can start small, which is why it pays to act early.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A promotion or shipping delay sets off a wave of disputes. This guide to your <a href=\"https:\/\/truelinepay.com\/blog\/chargeback-ratio\/\">chargeback ratio<\/a> shows how to track the number.<\/li>\n\n<li>A data breach exposes card details, or PCI work never gets finished.<\/li>\n\n<li>Fraudsters test stolen cards on your checkout, and fraud reports pile up.<\/li>\n\n<li>A partner&#8217;s sales get run through your account as a favor.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"visa-rules\">Visa Runs a Parallel Track<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">MATCH isn&#8217;t the only place a termination gets recorded. The <a href=\"https:\/\/usa.visa.com\/dam\/VCOM\/download\/about-visa\/visa-rules-public.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Visa Rules<\/a> have their own terminated merchant section, and the edition dated October 24, 2026 is the one to read. Here&#8217;s how the two line up.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Point<\/th><th>Mastercard MATCH Pro<\/th><th>Visa terminated merchant rules<\/th><\/tr><\/thead><tbody><tr><td>When it&#8217;s filed<\/td><td>Within 5 days of the decision to terminate<\/td><td>By close of business the day after you&#8217;re told of the intent to terminate<\/td><\/tr><tr><td>Why it&#8217;s filed<\/td><td>A listed reason code<\/td><td>Reasons include laundering, a fraud conviction, excessive disputes and Visa program reports<\/td><\/tr><tr><td>How far it reaches<\/td><td>Searches cover the past five years<\/td><td>A 3-year listing on a common terminated merchant database<\/td><\/tr><tr><td>How it&#8217;s used<\/td><td>A risk check before signing<\/td><td>Only as an informational tool in the decision<\/td><\/tr><tr><td>Fixing errors<\/td><td>Ask the listing acquirer<\/td><td>The acquirer must request a correction at once after recognizing an error<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Visa adds one more step for a possible match. The acquirer must confirm it&#8217;s really the same merchant, then contact the bank that filed the listing to learn why. So expect the story behind your listing to reach any bank that looks closely.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"find-out\">How to Find Out If You&#8217;re Listed<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Mastercard&#8217;s public documents describe access for acquirers, not merchants, so don&#8217;t expect to look yourself up. There are still practical ways to find out.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Read your termination notice.<\/strong> Visa&#8217;s rules list written notice of termination among the items in a terminated merchant&#8217;s file, so ask for a copy if you can&#8217;t find yours.<\/li>\n\n<li><strong>Ask your old acquirer in writing.<\/strong> Ask whether it added your business or owners to MATCH or any terminated merchant file, on what date and under which code.<\/li>\n\n<li><strong>Find the right party.<\/strong> If you signed through a reseller, the bank behind your account may be a different company. In the US, Visa says the merchant agreement must clearly state the acquirer&#8217;s name and location.<\/li>\n\n<li><strong>Ask a new provider.<\/strong> If its inquiry returns a match, ask what it can share with you.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-to-do\">What to Do Next If You&#8217;re on the MATCH List<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Move in this order, and keep copies of everything. The aim is to correct what&#8217;s wrong, then prove that what was wrong is fixed.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Get the facts in writing.<\/strong> Confirm the acquirer, the listing date and the reason code.<\/li>\n\n<li><strong>Check that it&#8217;s right.<\/strong> Is it your business? Does the code fit what happened? A name mix-up or the wrong code is the simplest problem to fix.<\/li>\n\n<li><strong>Ask for a correction if it&#8217;s wrong.<\/strong> Send your evidence to the listing acquirer and ask for a written reply.<\/li>\n\n<li><strong>Settle what you owe.<\/strong> Clear any fees or chargebacks, or agree on a plan, and keep the proof.<\/li>\n\n<li><strong>Fix the cause.<\/strong> Match the fix to the code, such as new refund steps for code 04 or security work for code 12. The <a href=\"https:\/\/www.pcisecuritystandards.org\/document_library\/\" target=\"_blank\" rel=\"noreferrer noopener\">PCI Security Standards Council<\/a> publishes the data security standard.<\/li>\n\n<li><strong>Write a one-page account.<\/strong> Cover what happened, when it happened, what you changed and what proof you have.<\/li>\n\n<li><strong>Get legal help if you need it.<\/strong> If the listing looks wrong and the acquirer won&#8217;t respond, an attorney can review your contract and your options.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">Can You Get Removed Early?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It depends on why you were listed and whether the record is correct. Visa&#8217;s rules say only the acquirer that added a merchant can request deletion, and it must request a correction once it recognizes an error. Industry summaries of Mastercard&#8217;s rules describe a similar route through the listing acquirer, on limited grounds.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So start with the acquirer, not a third party. Be careful with anyone selling a sure-fire removal, because an outside firm can&#8217;t simply delete a record.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mistakes\">Moves That Make a Listing Worse<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A listing is hard enough on its own. These moves can turn a hurdle into a much bigger problem.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Opening a new company to hide.<\/strong> Visa&#8217;s rules say it may permanently prohibit a merchant or its principals for, among other things, signing a merchant agreement under a new name to get around its rules. MATCH records owners too, so a new name may not help anyway.<\/li>\n\n<li><strong>Leaving it off your application.<\/strong> An acquirer&#8217;s search may find it, and a false application is a fresh problem of its own.<\/li>\n\n<li><strong>Borrowing another merchant&#8217;s account.<\/strong> Visa treats this as laundering. The <a href=\"https:\/\/www.ftc.gov\/business-guidance\/resources\/complying-telemarketing-sales-rule\" target=\"_blank\" rel=\"noreferrer noopener\">FTC<\/a> says credit card laundering by telemarketers violates its rule and is a criminal offense under federal law and some state laws.<\/li>\n\n<li><strong>Ignoring old debts.<\/strong> The OCC handbook says collectors can seek payment from a business&#8217;s principals through negotiation or civil action.<\/li>\n\n<li><strong>Waiting without fixing anything.<\/strong> Time alone won&#8217;t make a new bank comfortable. Your record of change will.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"applying-again\">Applying Again With a Listing<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Expect a tougher review. Some acquirers won&#8217;t take a listed merchant, and those that do may ask for a reserve, volume limits or higher pricing. Plan your cash around that, and this <a href=\"https:\/\/truelinepay.com\/blog\/rolling-reserve\/\">rolling reserve<\/a> guide shows the math.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What a Strong File Looks Like<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A reviewer needs a reason to believe the old problem won&#8217;t return. This guide to <a href=\"https:\/\/truelinepay.com\/blog\/merchant-account-underwriting\/\">merchant account underwriting<\/a> covers the full file, but a listing calls for a few extras.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A plain statement of the cause, with the reason code named<\/li>\n\n<li>Proof of what changed, such as new refund steps or fraud tools<\/li>\n\n<li>Proof that any balance with the old provider is settled<\/li>\n\n<li>A complete website and a full product list<\/li>\n\n<li>Recent bank statements that show a healthy business<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Where to Apply<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Look for providers that work with <a href=\"https:\/\/truelinepay.com\/blog\/high-risk-merchant-account\/\">high-risk merchant accounts<\/a> and will review a listing openly. Tell them up front, before their inquiry does. The <a href=\"https:\/\/truelinepay.com\/industries\/\">True Line Pay industries page<\/a> shows the categories it supports, and the <a href=\"https:\/\/truelinepay.com\/contact\/\">application<\/a> is short and free to submit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can also ask about <a href=\"https:\/\/truelinepay.com\/ach-payment-processing\/\">ACH payments<\/a>, which run outside the card networks. A provider will still review your business, and <a href=\"https:\/\/www.nacha.org\/rules\/ach-network-risk-and-enforcement-topics\" target=\"_blank\" rel=\"noreferrer noopener\">Nacha&#8217;s rules<\/a> set their own limits on returned payments.<\/p>\n\n\n\n<div class=\"tlp-takeaways\" style=\"border:1px solid rgba(204,255,0,.4);background:rgba(204,255,0,.06);border-radius:18px;padding:28px 30px\"><h2 id=\"key-takeaways\" style=\"margin-top:0\">Key Takeaways<\/h2><ul><li>The MATCH list is a Mastercard database of merchants and owners terminated for certain risk reasons. Mastercard now calls it MATCH Pro.<\/li><li>Acquirers file within 5 days of deciding to terminate, and searches cover the past five years.<\/li><li>Reason codes include 04 for chargebacks, 05 for fraud, 03 for laundering and 12 for PCI.<\/li><li>Visa has its own terminated merchant rules, and they say the data is only an informational tool.<\/li><li>Start with the listing acquirer. Under Visa&#8217;s rules, only that bank can ask to delete a listing.<\/li><li>Never hide a listing with a new company or another merchant&#8217;s account.<\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">Frequently Asked Questions<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">What does MATCH stand for?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It stands for Member Alert to Control High-risk Merchants. Mastercard runs the system, and its current documents call it MATCH Pro.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How long does a merchant stay on the MATCH list?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mastercard&#8217;s developer documents say inquiries search records added over the past five years, and industry summaries call that a five-year listing. Ask the acquirer that listed you to confirm your date.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Can I check the MATCH list myself?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mastercard&#8217;s public documents describe access for acquirers, not merchants. Your best routes are your termination notice, a written request to your old acquirer and any new provider that runs an inquiry.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Does being on the MATCH list mean I can&#8217;t take cards?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No, but it makes approval harder. The OCC handbook says a bank should base its decision on its own investigation, though some banks will still decline a listed merchant.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Who can remove a MATCH listing?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Start with the acquirer that filed it. Visa&#8217;s rules limit deletion requests to the listing acquirer, and industry summaries describe a similar route for Mastercard. An outside firm can&#8217;t simply delete a record.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Does MATCH list the owners or just the business?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Both. Mastercard&#8217;s documents say a record includes merchant and principal owner details, and the OCC handbook describes MATCH as logging merchants and their owners.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Will a new LLC get around a listing?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Don&#8217;t try it. Searches use owner details, and Visa can prohibit a merchant or its principals for signing under a new name to get around its rules.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Can chargebacks alone get me listed?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, Excessive Chargebacks is reason code 04. Watch your ratio monthly, and act long before it reaches your provider&#8217;s limit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Is Visa&#8217;s terminated merchant file the same as MATCH?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Not quite. The OCC handbook says Visa USA has used MATCH, but Visa&#8217;s rules set their own duties. Those include a 3-year listing period and use of the data as an informational tool only.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion\">Conclusion: A Listing Is a Hurdle, Not the End<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The MATCH list can make your next account harder to get, and there&#8217;s no use pretending otherwise. Still, it&#8217;s a record, not a verdict. Find out exactly what was filed, correct what&#8217;s wrong and build proof that the cause is gone.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">True Line Pay doesn&#8217;t treat a past closure as an automatic no. If you&#8217;re ready to explain what happened, <a href=\"https:\/\/truelinepay.com\/contact\/\">talk to a specialist<\/a> and bring your documents.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>This article is general information, not legal advice. Card network rules change and can vary by region, so confirm your situation with your acquirer and an attorney.<\/em><\/p>\n\n\n\n<div class=\"tlp-cta\" style=\"border:1px solid rgba(204,255,0,.45);background:linear-gradient(135deg,rgba(204,255,0,.10),rgba(136,170,255,.06));border-radius:22px;padding:34px 32px\"><p style=\"font-family:var(--f-mono);font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:#CCFF00;margin:0 0 12px\">Ready when you are<\/p><h2 id=\"get-started\" style=\"margin-top:0\">Tell Us What Happened<\/h2><p>A past closure doesn&#8217;t automatically disqualify you at True Line Pay. Share what happened and what has changed, and a specialist will explain what underwriting needs. Approval isn&#8217;t guaranteed.<\/p><div class=\"wp-block-buttons\" style=\"display:flex;flex-wrap:wrap;gap:12px;margin-top:22px\"><div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/truelinepay.com\/contact\/\">Start Your Application<\/a><\/div><div class=\"wp-block-button is-style-outline\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/calendly.com\/truelinepay-support\/30min\" target=\"_blank\" rel=\"noreferrer noopener\">Book a 30-Minute Call<\/a><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>The MATCH list is how acquirers share merchant terminations. Learn how listings happen, what the reason codes mean and how to move forward.<\/p>\n","protected":false},"author":1,"featured_media":38,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-40","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.1 (Yoast SEO v28.9-RC1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Are You on the MATCH List? Reason Codes and Next Steps<\/title>\n<meta name=\"description\" content=\"The MATCH list is how acquirers share merchant terminations. 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