High-ticket coaching — MATCH list recovery
Listed on MATCH for excessive chargebacks with no processor willing to touch them. We ran a MATCH audit, filed the dispute, and rebuilt their chargeback profile.
The business was listed on MATCH under Reason Code 4 (Excessive Chargebacks). Their chargeback rate had climbed well above card-network thresholds, and every processor they approached declined the moment the listing surfaced.
Without an account they could not collect on programs already sold, and the listing threatened to keep them locked out for the full five-year MATCH term.
We started with a full MATCH audit to establish whether the listing was defensible, then built the recovery in parallel with restoring cash flow.
- Dispute filed with Mastercard challenging the listing
- Interim processing arranged through a specialist acquirer during the dispute window
- Chargeback-mitigation program implemented: clear billing descriptors, delivery evidence, and a proactive refund path
The chargeback rate came down quickly once the new controls were live.
“Everyone told us MATCH was a five-year dead end. We were processing again in under two weeks and our chargeback rate is a quarter of what it was.”
Can a business on the MATCH list get a merchant account?
Yes. A MATCH listing is not automatically permanent — specialist acquirers will underwrite a listed business when there is a credible dispute and a chargeback-mitigation plan in place. Interim processing can often start while the dispute is pending.
How long does it take to lower a chargeback rate?
With clear descriptors, delivery evidence, and a proactive refund path, a rate above network thresholds can return to target within roughly 60 days, as it did here.
Let’s solve your payment processing the same way.
Specialist merchant account placement for every risk level — from low-risk retail and e-commerce to 50+ high-risk industries, with built-in chargeback prevention and support for international scaling.