Mastercard - Revision history

Bananabot: Added archive URLs for 4 citation(s) using CRWCitationBot

2026-02-23T06:01:23Z

Added archive URLs for 4 citation(s) using CRWCitationBot

← Older revision		Revision as of 06:01, 23 February 2026
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	\|Logo=Mastercard logo.svg}}		\|Logo=Mastercard logo.svg}}

	[[wikipedia:Mastercard\|'''Mastercard''']] is an American multinational payment card services corporation, offering a range of payment transaction processing and other related-payment services.<blockquote>Mastercard is an international corporation which operates a global financial network. Through this network, it facilitates electronic funds transfers (EFTs) using branded debit, credit and prepaid cards. As an intermediary between financial institutions and businesses, Mastercard supports payment processing by authorising, clearing and settling transactions.<ref>{{Cite web \|date=2025-08-15 \|title=What is Mastercard? A guide to the card network \|url=https://stripe.com/resources/more/what-is-mastercard#what-is-mastercard \|url-status=live \|access-date=2025-08-15 \|website=Stripe}}</ref></blockquote>		[[wikipedia:Mastercard\|'''Mastercard''']] is an American multinational payment card services corporation, offering a range of payment transaction processing and other related-payment services.<blockquote>Mastercard is an international corporation which operates a global financial network. Through this network, it facilitates electronic funds transfers (EFTs) using branded debit, credit and prepaid cards. As an intermediary between financial institutions and businesses, Mastercard supports payment processing by authorising, clearing and settling transactions.<ref>{{Cite web \|date=2025-08-15 \|title=What is Mastercard? A guide to the card network \|url=https://stripe.com/resources/more/what-is-mastercard#what-is-mastercard \|url-status=live \|access-date=2025-08-15 \|website=Stripe \|archive-url=http://web.archive.org/web/20251225081947/https://stripe.com/resources/more/what-is-mastercard \|archive-date=25 Dec 2025}}</ref></blockquote>
	==Consumer-impact summary==		==Consumer-impact summary==
	'''Market Control:''' Mastercard operates and maintains the MATCH database. The corporation's global outreach and market dominance allows to use this database to "blacklist" vendors that break their rules. The "rules" can be arbitrary, such as forbidding transactions that "may damage the goodwill of the Corporation or reflect negatively on the Marks."<ref>{{Cite web \|date=3 June 2025 \|title=Mastercard Rules \|url=https://www.mastercard.us/content/dam/public/mastercardcom/na/global-site/documents/mastercard-rules.pdf \|url-status=live \|access-date=2025-08-15 \|website=Mastercard Rules \|at=5.12.7 Illegal or Brand-damaging Transactions}}</ref>		'''Market Control:''' Mastercard operates and maintains the MATCH database. The corporation's global outreach and market dominance allows to use this database to "blacklist" vendors that break their rules. The "rules" can be arbitrary, such as forbidding transactions that "may damage the goodwill of the Corporation or reflect negatively on the Marks."<ref>{{Cite web \|date=3 June 2025 \|title=Mastercard Rules \|url=https://www.mastercard.us/content/dam/public/mastercardcom/na/global-site/documents/mastercard-rules.pdf \|url-status=live \|access-date=2025-08-15 \|website=Mastercard Rules \|at=5.12.7 Illegal or Brand-damaging Transactions \|archive-url=http://web.archive.org/web/20260124012223/https://www.mastercard.us/content/dam/public/mastercardcom/na/global-site/documents/mastercard-rules.pdf \|archive-date=24 Jan 2026}}</ref>

	==Incidents==		==Incidents==
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	All payment processors must check these databases when accepting a new user, and must also add merchants to the database if they close the account and it meets TMF criteria.		All payment processors must check these databases when accepting a new user, and must also add merchants to the database if they close the account and it meets TMF criteria.

	Being placed on a TMF can have serious effects. While they’re only supposed to be informational tools during the account application process, many entities refuse to accept businesses or individuals listed on a TMF. For this reason, it’s important to be aware of TMF criteria and make sure you avoid becoming eligible.<ref>{{Cite web \|date=2025-08-15 \|title=High risk merchant lists \|url=https://docs.stripe.com/disputes/match \|url-status=live \|access-date=2025-08-15 \|website=Stripe Docs}}</ref></blockquote>		Being placed on a TMF can have serious effects. While they’re only supposed to be informational tools during the account application process, many entities refuse to accept businesses or individuals listed on a TMF. For this reason, it’s important to be aware of TMF criteria and make sure you avoid becoming eligible.<ref>{{Cite web \|date=2025-08-15 \|title=High risk merchant lists \|url=https://docs.stripe.com/disputes/match \|url-status=live \|access-date=2025-08-15 \|website=Stripe Docs \|archive-url=http://web.archive.org/web/20251212145046/https://docs.stripe.com/disputes/match \|archive-date=12 Dec 2025}}</ref></blockquote>

	===Consumer freedom limitations===		===Consumer freedom limitations===
	Credit card processors using the MATCH system '''must''' submit vendors into the MATCH system that they end business with, as long as they meet the criteria.<ref>{{Cite web \|date=2025-08-15 \|title=High risk merchant lists \|url=https://docs.stripe.com/disputes/match#criteria-for-match-qualification \|url-status=live \|access-date=2025-08-15 \|website=Stripe Docs}}</ref> This results in the vendor not being able to accept payments using any banks or payment processors that are partnered with Mastercard or use the MATCH system, effectively "blacklisting" them from using the world's main payment processors which can result in financial collapse of the vendor, '''as well as subsequently preventing consumers from buying from the vendor using payment methods that are most common and accessible'''.		Credit card processors using the MATCH system '''must''' submit vendors into the MATCH system that they end business with, as long as they meet the criteria.<ref>{{Cite web \|date=2025-08-15 \|title=High risk merchant lists \|url=https://docs.stripe.com/disputes/match#criteria-for-match-qualification \|url-status=live \|access-date=2025-08-15 \|website=Stripe Docs \|archive-url=http://web.archive.org/web/20251212145046/https://docs.stripe.com/disputes/match \|archive-date=12 Dec 2025}}</ref> This results in the vendor not being able to accept payments using any banks or payment processors that are partnered with Mastercard or use the MATCH system, effectively "blacklisting" them from using the world's main payment processors which can result in financial collapse of the vendor, '''as well as subsequently preventing consumers from buying from the vendor using payment methods that are most common and accessible'''.

	==See also==		==See also==

SinexTitan: logo changed to SVG

2026-01-17T15:11:20Z

logo changed to SVG

← Older revision		Revision as of 15:11, 17 January 2026
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	\|Website=https://www.mastercard.com/		\|Website=https://www.mastercard.com/
	\|Description=An American multinational payment card services corporation, offering a range of payment transaction processing and other related-payment services.		\|Description=An American multinational payment card services corporation, offering a range of payment transaction processing and other related-payment services.
	\|Logo=Mastercard ~~2019~~ logo ~~small~~.~~png~~}}[[wikipedia:Mastercard\|'''Mastercard''']] is an American multinational payment card services corporation, offering a range of payment transaction processing and other related-payment services.<blockquote>Mastercard is an international corporation which operates a global financial network. Through this network, it facilitates electronic funds transfers (EFTs) using branded debit, credit and prepaid cards. As an intermediary between financial institutions and businesses, Mastercard supports payment processing by authorising, clearing and settling transactions.<ref>{{Cite web \|date=2025-08-15 \|title=What is Mastercard? A guide to the card network \|url=https://stripe.com/resources/more/what-is-mastercard#what-is-mastercard \|url-status=live \|access-date=2025-08-15 \|website=Stripe}}</ref></blockquote>		\|Logo=Mastercard logo.svg}}

			[[wikipedia:Mastercard\|'''Mastercard''']] is an American multinational payment card services corporation, offering a range of payment transaction processing and other related-payment services.<blockquote>Mastercard is an international corporation which operates a global financial network. Through this network, it facilitates electronic funds transfers (EFTs) using branded debit, credit and prepaid cards. As an intermediary between financial institutions and businesses, Mastercard supports payment processing by authorising, clearing and settling transactions.<ref>{{Cite web \|date=2025-08-15 \|title=What is Mastercard? A guide to the card network \|url=https://stripe.com/resources/more/what-is-mastercard#what-is-mastercard \|url-status=live \|access-date=2025-08-15 \|website=Stripe}}</ref></blockquote>
	==Consumer-impact summary==		==Consumer-impact summary==
	'''Market Control:''' Mastercard operates and maintains the MATCH database. The corporation's global outreach and market dominance allows to use this database to "blacklist" vendors that break their rules. The "rules" can be arbitrary, such as forbidding transactions that "may damage the goodwill of the Corporation or reflect negatively on the Marks."<ref>{{Cite web \|date=3 June 2025 \|title=Mastercard Rules \|url=https://www.mastercard.us/content/dam/public/mastercardcom/na/global-site/documents/mastercard-rules.pdf \|url-status=live \|access-date=2025-08-15 \|website=Mastercard Rules \|at=5.12.7 Illegal or Brand-damaging Transactions}}</ref>		'''Market Control:''' Mastercard operates and maintains the MATCH database. The corporation's global outreach and market dominance allows to use this database to "blacklist" vendors that break their rules. The "rules" can be arbitrary, such as forbidding transactions that "may damage the goodwill of the Corporation or reflect negatively on the Marks."<ref>{{Cite web \|date=3 June 2025 \|title=Mastercard Rules \|url=https://www.mastercard.us/content/dam/public/mastercardcom/na/global-site/documents/mastercard-rules.pdf \|url-status=live \|access-date=2025-08-15 \|website=Mastercard Rules \|at=5.12.7 Illegal or Brand-damaging Transactions}}</ref>
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	==See also==		==See also==

	* [[Valve allows ISPs and payment processors to censor content on Steam]]		*[[Valve allows ISPs and payment processors to censor content on Steam]]

	==References==		==References==

Emanuele: minor structural changes

2025-08-18T20:16:13Z

minor structural changes

← Older revision		Revision as of 20:16, 18 August 2025
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	\|Website=https://www.mastercard.com/		\|Website=https://www.mastercard.com/
	\|Description=An American multinational payment card services corporation, offering a range of payment transaction processing and other related-payment services.		\|Description=An American multinational payment card services corporation, offering a range of payment transaction processing and other related-payment services.
	\|Logo=Mastercard 2019 logo small.png}}[[wikipedia:Mastercard\|Mastercard]] is an American multinational payment card services corporation, offering a range of payment transaction processing and other related-payment services.<blockquote>Mastercard is an international corporation which operates a global financial network. Through this network, it facilitates electronic funds transfers (EFTs) using branded debit, credit and prepaid cards. As an intermediary between financial institutions and businesses, Mastercard supports payment processing by authorising, clearing and settling transactions.<ref>{{Cite web \|date=2025-08-15 \|title=What is Mastercard? A guide to the card network \|url=https://stripe.com/resources/more/what-is-mastercard#what-is-mastercard \|url-status=live \|access-date=2025-08-15 \|website=Stripe}}</ref></blockquote>		\|Logo=Mastercard 2019 logo small.png}}[[wikipedia:Mastercard\|'''Mastercard''']] is an American multinational payment card services corporation, offering a range of payment transaction processing and other related-payment services.<blockquote>Mastercard is an international corporation which operates a global financial network. Through this network, it facilitates electronic funds transfers (EFTs) using branded debit, credit and prepaid cards. As an intermediary between financial institutions and businesses, Mastercard supports payment processing by authorising, clearing and settling transactions.<ref>{{Cite web \|date=2025-08-15 \|title=What is Mastercard? A guide to the card network \|url=https://stripe.com/resources/more/what-is-mastercard#what-is-mastercard \|url-status=live \|access-date=2025-08-15 \|website=Stripe}}</ref></blockquote>
	==Consumer-impact summary==		==Consumer-impact summary==
	Mastercard operates and maintains the MATCH database. The corporation's global outreach and market dominance allows to use this database to "blacklist" vendors that break their rules. The "rules" can be arbitrary, such as forbidding transactions that "may damage the goodwill of the Corporation or reflect negatively on the Marks."<ref>{{Cite web \|date=3 June 2025 \|title=Mastercard Rules \|url=https://www.mastercard.us/content/dam/public/mastercardcom/na/global-site/documents/mastercard-rules.pdf \|url-status=live \|access-date=2025-08-15 \|website=Mastercard Rules \|at=5.12.7 Illegal or Brand-damaging Transactions}}</ref>		'''Market Control:''' Mastercard operates and maintains the MATCH database. The corporation's global outreach and market dominance allows to use this database to "blacklist" vendors that break their rules. The "rules" can be arbitrary, such as forbidding transactions that "may damage the goodwill of the Corporation or reflect negatively on the Marks."<ref>{{Cite web \|date=3 June 2025 \|title=Mastercard Rules \|url=https://www.mastercard.us/content/dam/public/mastercardcom/na/global-site/documents/mastercard-rules.pdf \|url-status=live \|access-date=2025-08-15 \|website=Mastercard Rules \|at=5.12.7 Illegal or Brand-damaging Transactions}}</ref>

			==Incidents==
			This is a list of all consumer-protection incidents this company is involved in. Any incidents not mentioned here can be found in the [[:Category:{{FULLPAGENAME}}\|{{PAGENAME}} category]].
	===What is MATCH===		===What is MATCH===
	MATCH stands for Mastercard Alert to Control High-risk Merchants system. MATCH is Mastercard’s database of Terminated Merchant Files (TMFs) that contain information about accounts that have been closed by credit card processors around the world for high chargebacks or violations of card brand rules. <blockquote>Payment operators such as Visa and Mastercard, operate databases known as Terminated Merchant Files (TMFs) that contain information about accounts that have been closed by credit card processors around the world for high chargebacks or violations of card brand rules.		MATCH stands for Mastercard Alert to Control High-risk Merchants system. MATCH is Mastercard’s database of Terminated Merchant Files (TMFs) that contain information about accounts that have been closed by credit card processors around the world for high chargebacks or violations of card brand rules. <blockquote>Payment operators such as Visa and Mastercard, operate databases known as Terminated Merchant Files (TMFs) that contain information about accounts that have been closed by credit card processors around the world for high chargebacks or violations of card brand rules.
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	Credit card processors using the MATCH system '''must''' submit vendors into the MATCH system that they end business with, as long as they meet the criteria.<ref>{{Cite web \|date=2025-08-15 \|title=High risk merchant lists \|url=https://docs.stripe.com/disputes/match#criteria-for-match-qualification \|url-status=live \|access-date=2025-08-15 \|website=Stripe Docs}}</ref> This results in the vendor not being able to accept payments using any banks or payment processors that are partnered with Mastercard or use the MATCH system, effectively "blacklisting" them from using the world's main payment processors which can result in financial collapse of the vendor, '''as well as subsequently preventing consumers from buying from the vendor using payment methods that are most common and accessible'''.		Credit card processors using the MATCH system '''must''' submit vendors into the MATCH system that they end business with, as long as they meet the criteria.<ref>{{Cite web \|date=2025-08-15 \|title=High risk merchant lists \|url=https://docs.stripe.com/disputes/match#criteria-for-match-qualification \|url-status=live \|access-date=2025-08-15 \|website=Stripe Docs}}</ref> This results in the vendor not being able to accept payments using any banks or payment processors that are partnered with Mastercard or use the MATCH system, effectively "blacklisting" them from using the world's main payment processors which can result in financial collapse of the vendor, '''as well as subsequently preventing consumers from buying from the vendor using payment methods that are most common and accessible'''.

	==~~Incidents~~==		==See also==
	~~{{Ph-C-Inc}}~~

	~~This is a list of all consumer-protection incidents this company is involved in. Any incidents not mentioned here can be found in the [[:Category:{{FULLPAGENAME}}\|{{PAGENAME}} category]].~~
	~~===Example incident one (''date'')===~~
	~~{{Main\|link to the main article}}~~
	~~Short summary of the incident (could be the same as the summary preceding the article).~~
	~~===Example incident two (''date'')===~~
	~~...~~

	~~==Products==~~
	~~{{Ph-C-P}}~~

	~~==See also==~~		* [[Valve allows ISPs and payment processors to censor content on Steam]]
	[[Valve allows ISPs and payment processors to censor content on Steam]]

	==References==		==References==

SinexTitan: /* See also */ added the censorship incident to see also

2025-08-15T21:33:52Z

See also: added the censorship incident to see also

← Older revision		Revision as of 21:33, 15 August 2025
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	==See also==		==See also==
	~~{{Ph-C-SA}}~~		[[Valve allows ISPs and payment processors to censor content on Steam]]

	==References==		==References==

KToast: Added Mastercard rules citation in consumer impact section

2025-08-15T12:36:21Z

Added Mastercard rules citation in consumer impact section

← Older revision		Revision as of 12:36, 15 August 2025
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	\|Logo=Mastercard 2019 logo small.png}}[[wikipedia:Mastercard\|Mastercard]] is an American multinational payment card services corporation, offering a range of payment transaction processing and other related-payment services.<blockquote>Mastercard is an international corporation which operates a global financial network. Through this network, it facilitates electronic funds transfers (EFTs) using branded debit, credit and prepaid cards. As an intermediary between financial institutions and businesses, Mastercard supports payment processing by authorising, clearing and settling transactions.<ref>{{Cite web \|date=2025-08-15 \|title=What is Mastercard? A guide to the card network \|url=https://stripe.com/resources/more/what-is-mastercard#what-is-mastercard \|url-status=live \|access-date=2025-08-15 \|website=Stripe}}</ref></blockquote>		\|Logo=Mastercard 2019 logo small.png}}[[wikipedia:Mastercard\|Mastercard]] is an American multinational payment card services corporation, offering a range of payment transaction processing and other related-payment services.<blockquote>Mastercard is an international corporation which operates a global financial network. Through this network, it facilitates electronic funds transfers (EFTs) using branded debit, credit and prepaid cards. As an intermediary between financial institutions and businesses, Mastercard supports payment processing by authorising, clearing and settling transactions.<ref>{{Cite web \|date=2025-08-15 \|title=What is Mastercard? A guide to the card network \|url=https://stripe.com/resources/more/what-is-mastercard#what-is-mastercard \|url-status=live \|access-date=2025-08-15 \|website=Stripe}}</ref></blockquote>
	==Consumer-impact summary==		==Consumer-impact summary==
	Mastercard operates and maintains the MATCH database. The corporation's global outreach and market dominance allows to use this database to "blacklist" vendors that break their rules.		Mastercard operates and maintains the MATCH database. The corporation's global outreach and market dominance allows to use this database to "blacklist" vendors that break their rules. The "rules" can be arbitrary, such as forbidding transactions that "may damage the goodwill of the Corporation or reflect negatively on the Marks."<ref>{{Cite web \|date=3 June 2025 \|title=Mastercard Rules \|url=https://www.mastercard.us/content/dam/public/mastercardcom/na/global-site/documents/mastercard-rules.pdf \|url-status=live \|access-date=2025-08-15 \|website=Mastercard Rules \|at=5.12.7 Illegal or Brand-damaging Transactions}}</ref>

	=== What is MATCH ===		===What is MATCH===
	MATCH stands for Mastercard Alert to Control High-risk Merchants system. MATCH is Mastercard’s database of Terminated Merchant Files (TMFs) that contain information about accounts that have been closed by credit card processors around the world for high chargebacks or violations of card brand rules. <blockquote>Payment operators such as Visa and Mastercard, operate databases known as Terminated Merchant Files (TMFs) that contain information about accounts that have been closed by credit card processors around the world for high chargebacks or violations of card brand rules.		MATCH stands for Mastercard Alert to Control High-risk Merchants system. MATCH is Mastercard’s database of Terminated Merchant Files (TMFs) that contain information about accounts that have been closed by credit card processors around the world for high chargebacks or violations of card brand rules. <blockquote>Payment operators such as Visa and Mastercard, operate databases known as Terminated Merchant Files (TMFs) that contain information about accounts that have been closed by credit card processors around the world for high chargebacks or violations of card brand rules.

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	Being placed on a TMF can have serious effects. While they’re only supposed to be informational tools during the account application process, many entities refuse to accept businesses or individuals listed on a TMF. For this reason, it’s important to be aware of TMF criteria and make sure you avoid becoming eligible.<ref>{{Cite web \|date=2025-08-15 \|title=High risk merchant lists \|url=https://docs.stripe.com/disputes/match \|url-status=live \|access-date=2025-08-15 \|website=Stripe Docs}}</ref></blockquote>		Being placed on a TMF can have serious effects. While they’re only supposed to be informational tools during the account application process, many entities refuse to accept businesses or individuals listed on a TMF. For this reason, it’s important to be aware of TMF criteria and make sure you avoid becoming eligible.<ref>{{Cite web \|date=2025-08-15 \|title=High risk merchant lists \|url=https://docs.stripe.com/disputes/match \|url-status=live \|access-date=2025-08-15 \|website=Stripe Docs}}</ref></blockquote>

	=== Consumer freedom limitations ===		===Consumer freedom limitations===
	Credit card processors using the MATCH system '''must''' submit vendors into the MATCH system that they end business with, as long as they meet the criteria.<ref>{{Cite web \|date=2025-08-15 \|title=High risk merchant lists \|url=https://docs.stripe.com/disputes/match#criteria-for-match-qualification \|url-status=live \|access-date=2025-08-15 \|website=Stripe Docs}}</ref> This results in the vendor not being able to accept payments using any banks or payment processors that are partnered with Mastercard or use the MATCH system, effectively "blacklisting" them from using the world's main payment processors which can result in financial collapse of the vendor, '''as well as subsequently preventing consumers from buying from the vendor using payment methods that are most common and accessible'''.		Credit card processors using the MATCH system '''must''' submit vendors into the MATCH system that they end business with, as long as they meet the criteria.<ref>{{Cite web \|date=2025-08-15 \|title=High risk merchant lists \|url=https://docs.stripe.com/disputes/match#criteria-for-match-qualification \|url-status=live \|access-date=2025-08-15 \|website=Stripe Docs}}</ref> This results in the vendor not being able to accept payments using any banks or payment processors that are partnered with Mastercard or use the MATCH system, effectively "blacklisting" them from using the world's main payment processors which can result in financial collapse of the vendor, '''as well as subsequently preventing consumers from buying from the vendor using payment methods that are most common and accessible'''.

KToast: Minor styling revisions

2025-08-15T12:18:40Z

Minor styling revisions

← Older revision		Revision as of 12:18, 15 August 2025
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	\|Logo=Mastercard 2019 logo small.png}}[[wikipedia:Mastercard\|Mastercard]] is an American multinational payment card services corporation, offering a range of payment transaction processing and other related-payment services.<blockquote>Mastercard is an international corporation which operates a global financial network. Through this network, it facilitates electronic funds transfers (EFTs) using branded debit, credit and prepaid cards. As an intermediary between financial institutions and businesses, Mastercard supports payment processing by authorising, clearing and settling transactions.<ref>{{Cite web \|date=2025-08-15 \|title=What is Mastercard? A guide to the card network \|url=https://stripe.com/resources/more/what-is-mastercard#what-is-mastercard \|url-status=live \|access-date=2025-08-15 \|website=Stripe}}</ref></blockquote>		\|Logo=Mastercard 2019 logo small.png}}[[wikipedia:Mastercard\|Mastercard]] is an American multinational payment card services corporation, offering a range of payment transaction processing and other related-payment services.<blockquote>Mastercard is an international corporation which operates a global financial network. Through this network, it facilitates electronic funds transfers (EFTs) using branded debit, credit and prepaid cards. As an intermediary between financial institutions and businesses, Mastercard supports payment processing by authorising, clearing and settling transactions.<ref>{{Cite web \|date=2025-08-15 \|title=What is Mastercard? A guide to the card network \|url=https://stripe.com/resources/more/what-is-mastercard#what-is-mastercard \|url-status=live \|access-date=2025-08-15 \|website=Stripe}}</ref></blockquote>
	==Consumer-impact summary==		==Consumer-impact summary==
	Mastercard operates and maintains the MATCH database. MATCH stands for Mastercard Alert to Control High-risk Merchants system. MATCH is Mastercard’s database of Terminated Merchant Files (TMFs) that contain information about accounts that have been closed by credit card processors around the world for high chargebacks or violations of card brand rules. <blockquote>Payment operators such as Visa and Mastercard, operate databases known as Terminated Merchant Files (TMFs) that contain information about accounts that have been closed by credit card processors around the world for high chargebacks or violations of card brand rules.		Mastercard operates and maintains the MATCH database. The corporation's global outreach and market dominance allows to use this database to "blacklist" vendors that break their rules.

			=== What is MATCH ===
			MATCH stands for Mastercard Alert to Control High-risk Merchants system. MATCH is Mastercard’s database of Terminated Merchant Files (TMFs) that contain information about accounts that have been closed by credit card processors around the world for high chargebacks or violations of card brand rules. <blockquote>Payment operators such as Visa and Mastercard, operate databases known as Terminated Merchant Files (TMFs) that contain information about accounts that have been closed by credit card processors around the world for high chargebacks or violations of card brand rules.

	All payment processors must check these databases when accepting a new user, and must also add merchants to the database if they close the account and it meets TMF criteria.		All payment processors must check these databases when accepting a new user, and must also add merchants to the database if they close the account and it meets TMF criteria.

	Being placed on a TMF can have serious effects. While they’re only supposed to be informational tools during the account application process, many entities refuse to accept businesses or individuals listed on a TMF. For this reason, it’s important to be aware of TMF criteria and make sure you avoid becoming eligible.<ref>{{Cite web \|date=2025-08-15 \|title=High risk merchant lists \|url=https://docs.stripe.com/disputes/match \|url-status=live \|access-date=2025-08-15 \|website=Stripe Docs}}</ref></blockquote>		Being placed on a TMF can have serious effects. While they’re only supposed to be informational tools during the account application process, many entities refuse to accept businesses or individuals listed on a TMF. For this reason, it’s important to be aware of TMF criteria and make sure you avoid becoming eligible.<ref>{{Cite web \|date=2025-08-15 \|title=High risk merchant lists \|url=https://docs.stripe.com/disputes/match \|url-status=live \|access-date=2025-08-15 \|website=Stripe Docs}}</ref></blockquote>
	Credit card processors using the MATCH system must submit vendors into the MATCH system that they end business with, as long as they meet the criteria.<ref>{{Cite web \|date=2025-08-15 \|title=High risk merchant lists \|url=https://docs.stripe.com/disputes/match#criteria-for-match-qualification \|url-status=live \|access-date=2025-08-15 \|website=Stripe Docs}}</ref> This results in the vendor not being able to accept payments using any banks or payment processors that are partnered with Mastercard or use the MATCH system, effectively "blacklisting" them from using the world's main payment processors which can result in financial collapse of the vendor, as well as preventing consumers from buying from the vendor using payment methods that are most common.
			=== Consumer freedom limitations ===
			Credit card processors using the MATCH system '''must''' submit vendors into the MATCH system that they end business with, as long as they meet the criteria.<ref>{{Cite web \|date=2025-08-15 \|title=High risk merchant lists \|url=https://docs.stripe.com/disputes/match#criteria-for-match-qualification \|url-status=live \|access-date=2025-08-15 \|website=Stripe Docs}}</ref> This results in the vendor not being able to accept payments using any banks or payment processors that are partnered with Mastercard or use the MATCH system, effectively "blacklisting" them from using the world's main payment processors which can result in financial collapse of the vendor, '''as well as subsequently preventing consumers from buying from the vendor using payment methods that are most common and accessible'''.

	==Incidents==		==Incidents==

KToast: Added stub notice, description, and initial Consumer-impact summary.

2025-08-15T12:14:42Z

Added stub notice, description, and initial Consumer-impact summary.

← Older revision		Revision as of 12:14, 15 August 2025
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			{{StubNotice}}
	{{CompanyCargo		{{CompanyCargo
	\|Founded=1966		\|Founded=1966
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	\|Website=https://www.mastercard.com/		\|Website=https://www.mastercard.com/
	\|Description=An American multinational payment card services corporation, offering a range of payment transaction processing and other related-payment services.		\|Description=An American multinational payment card services corporation, offering a range of payment transaction processing and other related-payment services.
	\|Logo=Mastercard 2019 logo small.png}}		\|Logo=Mastercard 2019 logo small.png}}[[wikipedia:Mastercard\|Mastercard]] is an American multinational payment card services corporation, offering a range of payment transaction processing and other related-payment services.<blockquote>Mastercard is an international corporation which operates a global financial network. Through this network, it facilitates electronic funds transfers (EFTs) using branded debit, credit and prepaid cards. As an intermediary between financial institutions and businesses, Mastercard supports payment processing by authorising, clearing and settling transactions.<ref>{{Cite web \|date=2025-08-15 \|title=What is Mastercard? A guide to the card network \|url=https://stripe.com/resources/more/what-is-mastercard#what-is-mastercard \|url-status=live \|access-date=2025-08-15 \|website=Stripe}}</ref></blockquote>
	{{Ph-C-~~Int~~}}		==Consumer-impact summary==
			Mastercard operates and maintains the MATCH database. MATCH stands for Mastercard Alert to Control High-risk Merchants system. MATCH is Mastercard’s database of Terminated Merchant Files (TMFs) that contain information about accounts that have been closed by credit card processors around the world for high chargebacks or violations of card brand rules. <blockquote>Payment operators such as Visa and Mastercard, operate databases known as Terminated Merchant Files (TMFs) that contain information about accounts that have been closed by credit card processors around the world for high chargebacks or violations of card brand rules.

	==~~Consumer~~-~~impact summary~~==		All payment processors must check these databases when accepting a new user, and must also add merchants to the database if they close the account and it meets TMF criteria.
	{{Ph-C-~~CIS~~}}
			Being placed on a TMF can have serious effects. While they’re only supposed to be informational tools during the account application process, many entities refuse to accept businesses or individuals listed on a TMF. For this reason, it’s important to be aware of TMF criteria and make sure you avoid becoming eligible.<ref>{{Cite web \|date=2025-08-15 \|title=High risk merchant lists \|url=https://docs.stripe.com/disputes/match \|url-status=live \|access-date=2025-08-15 \|website=Stripe Docs}}</ref></blockquote>
			Credit card processors using the MATCH system must submit vendors into the MATCH system that they end business with, as long as they meet the criteria.<ref>{{Cite web \|date=2025-08-15 \|title=High risk merchant lists \|url=https://docs.stripe.com/disputes/match#criteria-for-match-qualification \|url-status=live \|access-date=2025-08-15 \|website=Stripe Docs}}</ref> This results in the vendor not being able to accept payments using any banks or payment processors that are partnered with Mastercard or use the MATCH system, effectively "blacklisting" them from using the world's main payment processors which can result in financial collapse of the vendor, as well as preventing consumers from buying from the vendor using payment methods that are most common.

	==Incidents==		==Incidents==

KToast: Added Mastercard logo.

2025-08-15T11:31:17Z

Added Mastercard logo.

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	\|Website=https://www.mastercard.com/		\|Website=https://www.mastercard.com/
	\|Description=An American multinational payment card services corporation, offering a range of payment transaction processing and other related-payment services.		\|Description=An American multinational payment card services corporation, offering a range of payment transaction processing and other related-payment services.
	}}		\|Logo=Mastercard 2019 logo small.png}}
	{{Ph-C-Int}}		{{Ph-C-Int}}

KToast: Created the initial page.

2025-08-15T11:21:50Z

Created the initial page.

New page

{{CompanyCargo
|Founded=1966
|Industry=Banking
|Type=Public
|Website=https://www.mastercard.com/
|Description=An American multinational payment card services corporation, offering a range of payment transaction processing and other related-payment services.
}}
{{Ph-C-Int}}

==Consumer-impact summary==
{{Ph-C-CIS}}

==Incidents==
{{Ph-C-Inc}}

This is a list of all consumer-protection incidents this company is involved in. Any incidents not mentioned here can be found in the [[:Category:{{FULLPAGENAME}}|{{PAGENAME}} category]].
===Example incident one (''date'')===
{{Main|link to the main article}}
Short summary of the incident (could be the same as the summary preceding the article).
===Example incident two (''date'')===
...

==Products==
{{Ph-C-P}}

==See also==
{{Ph-C-SA}}

==References==
{{reflist}}

[[Category:{{PAGENAME}}]]