MATCH reason codes are defined under Mastercard’s Terminated Merchant File program parameters. These codes drive how underwriters evaluate any removal request or future application.

Code 04 — Excessive Chargebacks (TMF Code 04)

• Trigger: Chargeback ratios and volumes exceeding Mastercard’s published monitoring thresholds.
• Underwriting View: Signifies operational failure or systemic customer dissatisfaction.
• Removal Requirement: Documented, sustained reduction over multiple cycles and evidence of structural changes to the customer journey.

Code 05 — Excessive Fraud (TMF Code 05)

• Trigger: Fraud rates exceeding network standards, typically measured by fraud-to-sales dollar volume.
• Underwriting View: Weak transaction-level screening and exposure to attack traffic.
• Removal Requirement: Evidence of an upgraded fraud-control stack (screening, authentication, velocity tools).

Code 07 — Fraud Conviction / Serious Fraud (TMF Code 07)

• Trigger: Associated with serious fraud behavior as determined by the acquirer. In practice, serious fraud classifications may lead to broader or accelerated processing restrictions.
• Removal Reality: Structurally difficult. In such cases, independent legal counsel may be appropriate before pursuing reconsideration efforts.

Code 12 — PCI Non‑Compliance (TMF Code 12)

• Trigger: Failure to maintain PCI DSS standards.
• Underwriting View: Deficient data‑security practices.
• Removal Requirement: Updated, valid PCI certification and verification of remediated gaps.

Code 14 — Identity Theft / Account Data Compromise (TMF Code 14)

• Trigger: High‑weight risk classification involving cardholder‑data compromise.

1️⃣ Removal Process Overview

2️⃣ MATCH Reason Codes

3️⃣ Governance & Acquirer Control

4️⃣ Merchant Accounts While on MATCH

Institutional Documentation Notice The MATCH-001 Documentation System provides structured templates and sequencing guidance for merchants navigating MATCH-related underwriting events. It does not provide legal advice, representation, or guaranteed outcomes.

[→ Review Structured Templates for Specific Reason Codes: MATCH‑001]