This file is used by MasterCard and Visa processing banks, known as "acquiring banks," to identify specific merchants and principals who have already been terminated. Once a merchant is on this list it is highly unlikely that future merchant account applications will be approved. The "TMF", or MATCH list, is essentially a BLACKLIST from which it is almost impossible to be removed. Reasons for being on the list include:

* Credit Card Fraud
* Factoring (The merchant deposited transaction that were for sales generated by another business)
* Excessive Chargebacks (Approximately 2% of sales or more)