MATCH list removal / SumUp
MATCH list removal through SumUp
If SumUp terminated your account and added you to the MATCH list, SumUp is the only party that can submit a removal request to Mastercard. This guide explains what SumUp looks for, how to approach their risk team, and what a strong removal request looks like.
Why SumUp adds merchants to MATCH
SumUp is a European-based acquirer and card payment provider popular with small and medium-sized businesses across the UK and Europe. As a licensed acquirer, SumUp is required to report merchants to MATCH when specific termination conditions are met under Mastercard's rules. Common reasons include:
- Excessive chargebacks — dispute ratios exceeding Mastercard's thresholds (MATCH code 4).
- Fraud — fraudulent transaction volumes identified through issuer reporting or SumUp's own monitoring (MATCH code 5).
- Policy violations — selling restricted or prohibited products in breach of SumUp's terms or card network rules (often codes 10 or 13).
- Misrepresentation at onboarding — business details provided during registration did not accurately reflect the actual business (MATCH code 14).
Your termination notification from SumUp will typically reference the reason for account closure. For official definitions, see our MATCH reason codes.
What SumUp's risk team looks for
SumUp's risk and compliance team reviews removal requests against a clear set of criteria. Your request needs to credibly address each of the following:
- Root cause — a clear, honest explanation of what caused the listing. Vague or evasive explanations do not advance a request.
- What changed — specific operational, technical, or policy changes implemented since the account was terminated.
- Evidence — supporting documents such as updated policies, improved dispute data, PCI compliance certificates, or revised product offerings.
- No recurrence — a credible structural explanation for why the problem will not happen again.
SumUp's risk reviewers assess many requests across a large merchant base. A well-structured, specific letter that addresses the actual reason code and demonstrates genuine remediation significantly improves your chances.
How to submit a removal request to SumUp
The process is:
- Confirm that SumUp was the acquirer that terminated your account and added the MATCH listing.
- Identify the MATCH reason code from your termination notice or SumUp account notifications.
- Prepare a structured removal request covering root cause, corrective actions, and supporting evidence.
- Send the request to SumUp's risk or compliance team through their support channels, addressed to the risk department.
- Follow up if you do not receive a response within a reasonable period.
We help you build and submit that request. Our questionnaire gathers the right facts, and we draft a tailored, professionally structured letter addressed to SumUp's risk team. Start your removal request.
Frequently asked questions
- Can SumUp remove me from the MATCH list?
- Yes—if SumUp added you to MATCH, only SumUp can submit the removal request to Mastercard. Mastercard does not remove listings on direct merchant request.
- What does SumUp need to review a MATCH removal request?
- A clear root cause explanation, concrete corrective actions, supporting evidence, and a credible case that the issue will not recur. The request should be addressed to SumUp's risk department.
- How long does SumUp take to review?
- Review timelines vary—typically several weeks to months. A well-prepared request that addresses all relevant points tends to result in faster and more positive reviews.