Beat the TMF List with EMB

Mar 25, 2016

Is your business on the MATCH list or terminated merchant file (TMF) list. If so, you will have trouble acquiring a merchant account with reasonable rates if at all. Unfortunately, any business that appears on the MATCH list is almost guaranteed to be denied a merchant account. And once your business is placed on the list, it can be very difficult to get off even if you were placed on the list by mistake, or corrected the errors that put you there. Thankfully, progressive online payment processors like (EMB) believe that even businesses on the TMF list deserve the stability and support of an experienced payment processor.

On the MATCH list you’ll find: a merchant’s name, business partners, and principal. But how does one get on the list?

Qualifying acts include:

  • A conviction for credit or debit card fraud in any federal, state or county court
  • Evidence of counterfeit activities
  • Evidence of money “laundering”
  • Sufficient evidence that merchant is engaging in fraudulent activities.
  • Excessive deposits for transactions without cardholders authorization
  • Excessive chargebacks caused by business practices or procedures

If you’ve been place on the TMF list, it will take five years to be removed unless the bank that filed against your business removes it from the list. If you wish to be removed from the list, contact the provider that placed your business on the list and present evidence contesting placement. Sufficient evidence can successfully remove your merchant account from the list.

EMB knows that even good businesses can find themselves on the TMF list. Placement on the list doesn’t mean that your business isn’t viable and deserving of a merchant account with reasonable rates. Our philosophy is simple; unless your business was placed on the TMF list because of an unpaid balance to your previous processor, we will accept your merchant account. Also keep your chargeback rate below 3%. Our application is quick and user friendly. Your business shouldn’t be punished forever for being on the MATCH List. EMB can get your TMF merchant account ready for business with our secure payment gateways. Contact us to set up your TMF merchant account today.

Let us help you get a high risk merchant account today!

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Having a merchant account allows an account holder to take advantage of merchant cash advances. When a merchant is approved for an advance, the business agrees to receive a lump sum of cash in exchange for an agreed-upon percentage of future credit card sales.

Pricing varies depending on the merchant’s industry, past credit card processing history, the type of business seeking the account, average ticket sales, and average transaction volumes.

Yes, EMB works with merchants who are building their credit, as well as those who have poor credit. EMB also approves merchants that have no credit card processing history and businesses that have lost their merchant accounts due to high chargebacks.

Several factors influence a merchant’s risk level. Though only one factor likely will not get a merchant classified as high risk, a combination of these may: business size, location, and industry, credit score, credit card processing history, a industry’s reputation for excessive chargebacks, a prior history of high chargeback ratios, and whether a merchant exclusively sells online.

Virtual terminals are stationed on a merchant’s website, making it easy for customers to make a payment or purchase online. Merchants or a payment processor can easily set up virtual terminals, so online businesses can accept credit and debit card and e-check transactions.

A merchant account is a business account with an acquiring bank. Without this business account, which actually works more like a line of credit, a merchant cannot accept and process credit and debit card transactions. Businesses need a merchant account to accept major credit cards via a static point-of-sale terminal, mobile card reader, or through a virtual payment gateway.

After filling out EMB’s simple online application and submitting any necessary, requested documents, many merchants get approved within 24 and 48 hours.

EMB specializes in working with high-risk merchants. EMB works with many merchants, including but not limited to businesses in these industries: gambling and gaming, adult entertainment, nutraceuticals, vaping and e-cigarettes, electronics, tech support, travel, high-end furniture, weight loss programs, calling cards, e-books and software, and telecommunications.

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