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Shared risk record affecting future merchant admission
Mastercard MATCH Pro is a shared information system about terminated merchants and their owners. Network rules require qualifying reports and pre-onboarding inquiries, while preserving an acquiring institution's discretion to accept a merchant despite an entry.
The inspected Chapter 11 rule links reporting to termination and reason to believe a listed condition exists; its five-calendar-day clock runs from specified earlier decision, notice or awareness events. Potential identity matches require relevance checks. Acquirers retain accuracy responsibility and must respond to listing questions within seven days and removal requests within thirty calendar days. Neither response clock guarantees removal. Listings generally purge after five years, while some downstream records persist. Erroneous additions have a correction route; the merchant's direct PCI-compliance route is narrower than a universal appeal bypass.
Mastercard acquirers · rule scope → Mastercard MATCH Pro
Section11.5 combines termination by merchant/acquirer with reason to believe a listed condition exists. Five calendar days runs from earlier listed decision/notice/awareness events, not effective termination; awareness is not detached from the opening condition.
Mastercard acquirers · rule scope → Mastercard MATCH Pro
Acquirers retain accuracy responsibility when delegating work; good faith, reason-code grounds and reasonable correction are required. Removal requests require a30calendar-day response, listing questions7; neither clock guarantees removal.
Mastercard → Mastercard MATCH Pro
Section11.13 permits removal for erroneous addition reported by an authorized user or specified cured PCI code12 noncompliance. Merchant direct application when acquirer unwilling/unable is narrow PCI route, not general bypass.
Mastercard → Mastercard MATCH Pro
Section11.10 provides5year listing retention/purge; recipient records persist at least2years after agreement end and inquiry records365days. Central purge does not erase all downstream records or restore processing.
Mastercard MATCH Pro → Stripe published MATCH acceptance practice
Stripe's published practice gives MATCH a restrictive onward use. No identified Stripe decision or acquiring-bank identity is established; its1workingday summary differs from the August network5calendar-day rule.
Merrick Bank Corporation → Mastercard MATCH Pro
2021 dispute
The appellate record describes Merrick's termination and MATCH listing of eGumball; its record showed Merrick alone could request this listing's addition/removal. Accuracy and final remedy remain unresolved.
Mastercard MATCH Pro → MATCH authorized acquirers and service providers
Section11.6.4 describes alerts for later added information within365days after an inquiry, visible30days and once in batch results. Recipient next steps remain separate; no closure cascade observed.
MATCH authorized acquirers and service providers → Mastercard MATCH Pro
Section11.6 requires inquiry before signing/enabling acceptance. Exact/phonetic or spelling hits are possible identity matches requiring relevance checks, not proof of misconduct.
Stripe implementation — MATCH screening and processing access ↗
MATCH correction, privacy and a worked judicial challenge ↗
MATCH Pro: required information sharing, independent admission, and correction duties ↗
WIPO ALERT-PAY: participant confirmation and provider decision rights ↗
Acquirers report qualifying terminations; authorized users must inquire. Mastercard permits admission of a listed merchant, while Stripe publishes a more restrictive practice with exceptions. Correction is a distinct route.
Open diagram →eGumball sought emergency delisting relief. The 2023 appeal reversed that provisional relief; the 2025 appeal rejected anti-SLAPP protection at its first step. FilmOn supplied an expressly applied legal framework.
Open diagram →Mastercard acquirers · rule scope → must report applicable merchant termination → Mastercard MATCH Pro
Anti-Piracy Policy conditionally requires MATCH notice if the acquirer terminates the merchant; no particular WIPO/Creative merchant report is established.
Mastercard acquirers · rule scope → must report under qualifying termination triggers → Mastercard MATCH Pro
Section11.5 combines termination by merchant/acquirer with reason to believe a listed condition exists. Five calendar days runs from earlier listed decision/notice/awareness events, not effective termination; awareness is not detached from the opening condition.
MATCH authorized acquirers and service providers → must inquire before agreement or acceptance → Mastercard MATCH Pro
Section11.6 requires inquiry before signing/enabling acceptance. Exact/phonetic or spelling hits are possible identity matches requiring relevance checks, not proof of misconduct.
Mastercard acquirers · rule scope → retain accuracy and reasonable-correction responsibility → Mastercard MATCH Pro
Acquirers retain accuracy responsibility when delegating work; good faith, reason-code grounds and reasonable correction are required. Removal requests require a30calendar-day response, listing questions7; neither clock guarantees removal.
Mastercard MATCH Pro → provides retroactive alerts after inquiries → MATCH authorized acquirers and service providers
Section11.6.4 describes alerts for later added information within365days after an inquiry, visible30days and once in batch results. Recipient next steps remain separate; no closure cascade observed.
Mastercard → provides five-year listing purge → Mastercard MATCH Pro
Section11.10 provides5year listing retention/purge; recipient records persist at least2years after agreement end and inquiry records365days. Central purge does not erase all downstream records or restore processing.
Mastercard → permits early removal on specified grounds → Mastercard MATCH Pro
Section11.13 permits removal for erroneous addition reported by an authorized user or specified cured PCI code12 noncompliance. Merchant direct application when acquirer unwilling/unable is narrow PCI route, not general bypass.
Mastercard MATCH Pro → is an input to restrictive underwriting → Stripe published MATCH acceptance practice
Stripe's published practice gives MATCH a restrictive onward use. No identified Stripe decision or acquiring-bank identity is established; its1workingday summary differs from the August network5calendar-day rule.
Merrick Bank Corporation → reported eGumball after termination → Mastercard MATCH Pro
2021 dispute
The appellate record describes Merrick's termination and MATCH listing of eGumball; its record showed Merrick alone could request this listing's addition/removal. Accuracy and final remedy remain unresolved.
Mastercard → operates → Mastercard MATCH Pro
Reported by the cited source
Scope: This record uses Stripe’s account; the relevant card-network rulebook has not been independently checked in this slice.
Acquiring banks → screen and report → Mastercard MATCH Pro
Reported by the cited source
Scope: This record uses Stripe’s account; the relevant card-network rulebook has not been independently checked in this slice.
Stripe → uses for screening → Mastercard MATCH Pro