# MATCH Pro
source: https://developer.mastercard.com/match/product/match/index.md

### Overview {#overview}

Mastercard Alert To Control High-risk Merchants (MATCH Pro) lets an acquiring partner look up whether another acquiring partner has terminated a merchant in the past and the reason for said termination, to help with an onboarding decision.

MATCH Pro with New Merchant Insights provides enhanced risk assessment capability that builds upon the well-known MATCH Pro system, delivering a set of rich, actionable merchant insights to support better merchant onboarding decisions. In addition to identifying previously terminated merchants, MATCH Pro with New Merchant Insights brings together proprietary network data and digital signals to deliver real-time insights, enabling earlier risk visibility during merchant onboarding.
![Security Internet](https://static.developer.mastercard.com/content/match/uploads/Security-Internet.svg)

###### Catch More Fraud Before It Starts {#catch-more-fraud-before-it-starts}

Identify fraudulent and high-risk merchants earlier in the onboarding process.
![Check Mark](https://static.developer.mastercard.com/content/match/uploads/Check-Mark.svg)

###### Reduce False Positives Driving More Revenue {#reduce-false-positives-driving-more-revenue}

Improve risk precision so legitimate merchants onboard faster.
![Customer Relationship Mgmt](https://static.developer.mastercard.com/content/match/uploads/Customer-Relationship-Mgmt.svg)

###### Reduce Manual Review \& Downstream Operational Costs {#reduce-manual-review--downstream-operational-costs}

Minimize costly checks and reviews by identifying bad merchants earlier in the workflow.

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### Features {#features}

#### Core MATCH Pro {#core-match-pro}

![Add terminated merchant](https://static.developer.mastercard.com/content/match/uploads/add_terminated_merchant.svg)

###### Add terminated merchant {#add-terminated-merchant}

Add merchants who have been terminated for specific reasons to MATCH Pro
![Dynamic merchant search](https://static.developer.mastercard.com/content/match/uploads/dynamic_merchant_search.svg)

###### Dynamic merchant search {#dynamic-merchant-search}

Designate regions/countries and use multiple fields to determine possible matches
![Principal owner search](https://static.developer.mastercard.com/content/match/uploads/principal_owner_search.svg)

###### Principal owner search {#principal-owner-search}

Add and search for information about up to five principal owners per merchant inquiry and addition
![Terminated merchant inquiry](https://static.developer.mastercard.com/content/match/uploads/terminated_merchant_inquiry.svg)

###### Terminated merchant inquiry {#terminated-merchant-inquiry}

Inquire about a merchant to find out if they have been previously added to MATCH Pro
![Retroactive alerts](https://static.developer.mastercard.com/content/match/uploads/retroactive_alerts.svg)

###### Retroactive alerts {#retroactive-alerts}

Receive retroactive alerts if a merchant you previously inquired about is added to MATCH Pro within 365 days of the initial inquiry

#### New Merchant Insights {#new-merchant-insights}

![Speed Technology](https://static.developer.mastercard.com/content/match/uploads/Speed-Technology.svg)

###### Merchant Risk Score {#merchant-risk-score}

A score that combines proprietary network data observed across acquirers with digital presence signals that evaluate a prospective merchant's online footprint, to indicate a merchant's propensity for fraud at onboarding.
![Investigation](https://static.developer.mastercard.com/content/match/uploads/Investigation.svg)

###### 37 Risk Signals {#37-risk-signals}

A robust set of underlying fraud risk signals including network insights and digital presence signals, to support an acquirer's own onboarding decisioning model.
![Investigation](https://static.developer.mastercard.com/content/match/uploads/Hierarchy.svg)

###### Risk Classification {#risk-classification}

A High, Medium, or Low classification to categorically view the merchant risk.
![Seminar](https://static.developer.mastercard.com/content/match/uploads/Seminar.svg)

###### Reason Codes {#reason-codes}

Risk driver categories returned with the score to explain the leading factors contributing to the assessment.
![Investigation](https://static.developer.mastercard.com/content/match/uploads/Key.svg)

###### Merchant Profile Reference Identifier (ID) {#merchant-profile-reference-identifier-id}

A Corporation-assigned value returned in a MATCH Pro inquiry response or other method that uniquely identifies a Merchant, Sponsored Merchant or other Acceptor.

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### Benefits {#benefits}

![Add terminated merchant](https://static.developer.mastercard.com/content/match/uploads/add_terminated_merchant.svg)

###### Stop fraudulent merchants earlier {#stop-fraudulent-merchants-earlier}

Reduce the number of fraudulent merchants approved by identifying highrisk actors before they begin transacting.
![Dynamic merchant search](https://static.developer.mastercard.com/content/match/uploads/dynamic_merchant_search.svg)

###### Make better onboarding decisions with more confidence {#make-better-onboarding-decisions-with-more-confidence}

Go beyond basic checks with proprietary networkwide intelligence unavailable from thirdparty vendors.
![Principal owner search](https://static.developer.mastercard.com/content/match/uploads/principal_owner_search.svg)

###### Reduce downstream fraud losses and operational burden {#reduce-downstream-fraud-losses-and-operational-burden}

Fewer chargebacks, costly investigations, and merchant terminations after onboarding.
![Terminated merchant inquiry](https://static.developer.mastercard.com/content/match/uploads/terminated_merchant_inquiry.svg)

###### Accelerate approval of legitimate merchants {#accelerate-approval-of-legitimate-merchants}

Improve onboarding speed and reduce false positives by quickly distinguishing good merchants from risky ones.
![Retroactive alerts](https://static.developer.mastercard.com/content/match/uploads/retroactive_alerts.svg)

###### Differentiate risk strategy without adding complexity {#differentiate-risk-strategy-without-adding-complexity}

Access advanced risk intelligence directly through MATCH Pro integration, reducing reliance on multiple vendors.

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### 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 reason codes, the Acquirer submits an additional 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. **Note:** Acquirer must wait at least 60 seconds before calling the New Merchant Insights endpoint with the IRN.

###### Step 3 {#step-3}

After an approximate 60-second wait period, and 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.


![](https://static.developer.mastercard.com/content/match/uploads/Match_pro_diagram.png)

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### Why use MATCH Pro API's? {#why-use-match-pro-apis}

###### Reduce Merchant Screening Time {#reduce-merchant-screening-time}

### \~Real Time

Move from manual due diligence processes to real-time merchant screening and risk assessment through MATCH Pro APIs.

###### Merchant Termination History {#merchant-termination-history}

### 5 Years

Leverage up to five years of merchant termination history to support more informed onboarding decisions.

###### Access Merchant Risk Insights {#access-merchant-risk-insights}

### 37 Risk Signals

Strengthen onboarding decisions with 37 network and digital risk signals designed to identify potential fraud risk earlier in the merchant lifecycle.

###### Stay Informed {#stay-informed}

### 365 days

Continue monitoring inquiry activity with retroactive alerts for up to one year after an initial merchant inquiry.

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### Use cases {#use-cases}

MATCH Pro activity must be done under the ICA a merchant is processing/will process under and every ICA that has acquiring activity must have at least one MATCH Pro user.
![Merchant onboarding](https://static.developer.mastercard.com/content/match/uploads/merchant_onboarding.svg)

###### Merchant onboarding {#merchant-onboarding}

Acquirers will use MATCH Pro during the merchant onboarding process to identify potential risks associated with the merchant
![Merchant termination](https://static.developer.mastercard.com/content/match/uploads/merchant_termination.svg)

###### Merchant termination {#merchant-termination}

Acquirers add terminated merchants to MATCH Pro to alert other acquirers in the ecosystem of the potential risks associated with the merchant

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### MATCH Pro pricing structure {#match-pro-pricing-structure}

MATCH Pro API's are charged "Per Click" and there is also a Quarterly Access Fee. For details refer to the FAQ's on [Support Page](https://developer.mastercard.com/match/match/documentation/support/index.md)

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### Resources {#resources}

MATCH Pro

Help acquirers identify potentially high-risk merchants before entering to a merchant agreement.

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**Used By** Acquirers and Merchants **Regions** Global **Supports** ![mastercard card](https://developer.mastercard.com/img/card_mastercard.svg)

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