How long does a MATCH listing last?

Five years from the listing date. The list is queried by every acquirer at onboarding — there is no early-removal mechanism in normal circumstances.

What is a "cleansing account"?

A separate corporate entity that has no operational link to the listed merchant. It can apply to acquirers as a fresh entity. Done correctly it is legitimate; done sloppily it is fraud and triggers fresh listings.

Which listing reasons are most damaging?

Code 12 (Fraud) and Code 07 (Fraud Conviction) attract 2.5–3pp MDR uplift across the network. Code 04 (Excessive Chargebacks) is the most common — 1.5pp uplift but recoverable with operational improvements.

Can I challenge a listing?

Yes — the original acquirer can request removal if it was wrongly listed. In practice acquirers rarely do this voluntarily. A specialist intermediary can negotiate.

CalculatorUpdated May 2026

What is MATCH listing actually costing you?

5-year MDR uplift, restricted-acquirer access, cleansing-account workaround cost. Numbers based on real high-risk acquirer pricing.

MATCH (formerly TMF) is the Mastercard-operated database of merchants terminated for cause. Listings stay 5 years and are queried by every acquirer at onboarding. The cost is real — and rarely modelled.

Inputs

Listing reasonMonthly volume (EUR)Baseline MDR %Years remaining on listing

MDR uplift

+1.50pp

Monthly MDR uplift

€12,000

Remaining MDR cost

€576,000

Cleansing account setup

€8,000

Cleansing annual

€24,000

Total remaining cost

€680,000

Discuss these results with us.

We will look at your specific case, validate the numbers against our active banking partners, and give you a free, honest pre-approval read — usually within 24 hours.

⚠ For informational purposes only. This is not legal, tax, or financial advice. Verify with a qualified advisor before acting on any output.

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Methodology & sources

MDR uplift by listing reason is calibrated against actual quotes received by listed merchants from US and EU high-risk acquirers (CCBill, Aurigo, Praxis, MerchantE).

Cleansing-account costs assume basic intermediary structure — €8k incorporation + €24k/year compliance and audit. Genuine separation requires substance and is a legal grey area; consult counsel.

Not modelled: lost revenue from acquirer rejections, time cost of negotiating with restricted acquirers.

Frequently asked questions

How long does a MATCH listing last?: Five years from the listing date. The list is queried by every acquirer at onboarding — there is no early-removal mechanism in normal circumstances.
What is a "cleansing account"?: A separate corporate entity that has no operational link to the listed merchant. It can apply to acquirers as a fresh entity. Done correctly it is legitimate; done sloppily it is fraud and triggers fresh listings.
Which listing reasons are most damaging?: Code 12 (Fraud) and Code 07 (Fraud Conviction) attract 2.5–3pp MDR uplift across the network. Code 04 (Excessive Chargebacks) is the most common — 1.5pp uplift but recoverable with operational improvements.
Can I challenge a listing?: Yes — the original acquirer can request removal if it was wrongly listed. In practice acquirers rarely do this voluntarily. A specialist intermediary can negotiate.

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Disclaimer

This calculator is for informational purposes only. It does not constitute legal, tax, or financial advice. Licence fees, tax rates, and regulatory requirements change. You must consult a qualified advisor in each relevant jurisdiction before making any commercial or investment decision. GetBanked and BMC Strategic Inc accept no liability for decisions made on the basis of these calculations.