# MATCH Pro source: https://developer.mastercard.com/match/documentation/index.md Alert: MATCH Pro Migration Required: Per GLB 12773.1, all customers must migrate to MATCH Pro API and bulk files. Customers who do not migrate will be classified as Category C Noncompliant, triggering standard compliance program assessments. Note: Effective October 15, 2026, Mastercard is introducing MATCH Pro with New Merchant Insights. New Merchant Insights within MATCH Pro adds a merchant risk score and multiple fraud risk signals to better support merchant onboarding decisions, with results available using the Inquiry Reference Number (IRN) returned from a MATCH Pro inquiry. For full details on this launch and related requirements, refer to the official Mastercard Publication on the Technical Resource Center announcing MATCH Pro with New Merchant Insights. ## Overview {#overview} The Mastercard Alert To Control High-risk Merchants (MATCH) Pro system provides an Authorized User (as defined in this section) the opportunity to develop, assess, and review enhanced or incremental risk information prior to entering into a Merchant Agreement or Sponsored Merchant Agreement with a prospective MATCH Merchant. MATCH Pro is a mandatory system for Mastercard Acquirers. The MATCH Pro database includes Authorized User-reported information about certain MATCH Merchants (and their owners) that an Authorized User has terminated. With the inclusion of New Merchant Insights within MATCH Pro, Authorized Users will also receive a merchant risk score along with a set of robust, fraud risk signals to support their own merchant onboarding models and decisioning tools. These insights are designed to help Authorized Users identify potentially fraudulent merchants. When an Authorized User considers onboarding a Merchant, MATCH Pro with New Merchant Insights can assist the Authorized User to make an independent risk determination prior to onboarding the Merchant and commencing submission of Transactions conducted by the Merchant to the Interchange System. The MATCH Pro APIs provides Authorized Users with the ability to develop an automated system-to-system method to access MATCH Pro and to receive a real-time response. ## Value Added Services {#value-added-services} **MATCH Pro Performance Indicators** is a value‑added service available **exclusively to Brazil Acquirers** . The service is enabled via **opt‑in** and is **seamlessly integrated** into both the **MATCH Pro User Interface** and **MATCH Pro API** services. By enabling Performance Indicators, Brazil Acquirers unlock enhanced capabilities within MATCH Pro to: * Make more confident, data‑driven decisions during merchant onboarding * Conduct periodic merchant reviews to support ongoing risk oversight * Perform targeted, on‑demand risk analysis when specific concerns arise
MATCH Pro Performance Indicators provide essential metrics for merchant assessment---including approval rate, fraud rate, chargeback rate, and compliance history. These indicators are uniquely linked to the merchant's Tax ID, allowing Brazil Acquirers to access detailed, actionable insights at critical points across the merchant lifecycle. By leveraging these Mastercard‑ecosystem metrics, users can strengthen onboarding decisions, enhance risk monitoring, support compliance, and minimize exposure throughout the merchant lifecycle. **Brazil Authorized Users** can access MATCH Pro Performance Indicators through the MATCH Pro User Interface or via the MATCH Pro Termination Inquiry API. ## Mastercard offers another useful application to analyse Merchant Risk, called Onboarding Risk Check. {#mastercard-offers-another-useful-application-to-analyse-merchant-risk-called-onboarding-risk-check} Cyber vulnerabilities can expose your merchants to potential breaches and Data ransom attacks, which can lead to stolen card, fraudulent transactions, large fines and reputation based damage. Onboard Risk Check (ORC) can help you identify which merchants are most vulnerable with our Cyber Risk, Sanctions Screening and Business Identity Verification functionalities. Please see AN6202 with instructions on how to request access to ORC. Get ORC Today: [Click here](https://www.mastercardconnect.com/jct_ssc_content/fraudcenter/cyber-secure) Learn More about ORC: [Click here](https://www.riskrecon.com/solutions/mastercard-onboard-risk-check) ## How it works {#how-it-works} #### Adding a terminated merchant {#adding-a-terminated-merchant} ###### Step 1 {#step-1} Within 5 days of the decision to terminate a merchant that meets one of the MATCH Pro reasons codes, the Acquirer submits an addition record to the MATCH Pro API that includes information on the merchant and associated principal owner(s), and the applicable reason code. ###### Step 2 {#step-2} The record is added to MATCH Pro and made available to all other acquirers in real time. ###### Step 3 {#step-3} MATCH Pro returns a confirmation to the acquirer that the merchant was successfully added and provides a MATCH Pro Reference Number. #### Inquire for terminated merchant {#inquire-for-terminated-merchant} ###### Step 1 {#step-1} Prior to executing the merchant agreement, the Acquirers submits an inquiry to the MATCH Pro API that includes information on a merchant and the associated principal owner(s). ###### Step 2 {#step-2} MATCH Pro searches the database for possible matches between the merchant information provided in the inquiry and information related to merchants added to MATCH Pro by other Acquirers during the past five years. ###### Step 3 {#step-3} MATCH Pro returns details of possible merchants found listed in MATCH Pro, and indicates if the result is based on an exact or phonetic possible match to the provided data elements. An Inquiry Reference Number (IRN) is also provided. #### Inquire for New Merchant Insights {#inquire-for-new-merchant-insights} ###### Step 1 {#step-1} Acquirer submits an inquiry for a merchant on MATCH Pro API. ###### Step 2 {#step-2} Acquirer retains the Inquiry Reference Number (IRN) returned in the response. ###### Step 3 {#step-3} Prior to executing the merchant agreement, Acquirer submits a request for New Merchant Insights using the IRN. This returns the risk score and signals. #### Inquire for Performance Indicator {#inquire-for-performance-indicator} ###### Step 1 {#step-1} An Acquirer subscribed to the Performance Indicators capability submits a merchant inquiry through the MATCH Pro API. ###### Step 2 {#step-2} MATCH Pro evaluates the inquiry details and searches its database for potential merchant matches. In parallel, using the National Tax ID provided in the inquiry, MATCH Pro retrieves the associated Performance Indicator metrics for the merchant. ###### Step 3 {#step-3} MATCH Pro returns the potential merchant matches, identifies whether each is an exact or phonetic match, and provides an Inquiry Reference Number (IRN). For eligible merchants, the response also includes aggregated Performance Indicator metrics such as Fraud Rate, Chargeback Rate, and Gross Domestic Volume (GDV). #### Retro active inquiry {#retro-active-inquiry} ###### Step 1 {#step-1} An Acquirer submits an inquiry information of a merchant to the MATCH Pro, and MATCH Pro could not find any possible matches. ###### Step 2 {#step-2} Another Acquirer submits an addition record to the MATCH Pro that includes information on the merchant and associated principal owner(s), and the applicable reason code. ###### Step 3 {#step-3} When the newly terminated merchant is a possible match to an Inquiry executed by an Acquirer, MATCH Pro will send out an email communication to alert the Inquirer about a possible match. #### Match Pro Performance Indicators {#match-pro-performance-indicators} ###### Step 1 {#step-1} An Acquirer submits a National Tax ID of a merchant to MATCH Pro. ###### Step 2 {#step-2} MATCH Pro searches the database for performance metrics to compute risk insights associated with the merchant. ###### Step 3 {#step-3} MATCH Pro aggregates and returns the performance metrics related to fraud, chargeback, gross domestic volume of the merchant in the response to the acquirer. ## Getting Started {#getting-started} #### Before You Start {#before-you-start} 1.Review [API Basics.](https://developer.mastercard.com/match/documentation/api-basics/index.md) 2.Review [use cases](https://developer.mastercard.com/match/documentation/use-cases/index.md) to establish the sequence of calls needed to evaluate the risk of onboarding a new merchant. 3.Try the [reference app](https://developer.mastercard.com/match/documentation/reference-app/index.md) to integrate with MATCH Pro API. 4.Follow the [onboarding guide](https://developer.mastercard.com/match/documentation/tutorial-structure/index.md#onboarding/) to begin onboarding. 5.Refer [API reference](https://developer.mastercard.com/match/documentation/api-reference/index.md) for in-depth details about services.