FAQs
Mobile Wallet
Send one another money from your mobile devices. Top-Up funds or Transfer (P2P) money to any other Mobile Wallet account. A Mobile wallet is used to push payments directly to the merchant. A customer specifies the amount of money along with an address before sending funds. In this way, Mobile payments are push payments.
Mobile Payments
A complete Mobile payments solution with simple, pay-per-use pricing, no setup fees or monthly fees.
Mobile Wallet supports dozens of popular payment methods around the world with a single integration:
135+ currencies
Global support
If currency conversion is required, an additional 2% fee will apply
Currency conversions occur at the time the charge is made.
If there is a bank account available for that currency at the time the charge is made, no conversion occurs.
If there is no bank account available for that currency, it automatically converts those funds to your default settlement currency.
If you regularly charge in multiple currencies*, choose the correct USD ($), EUR (€) or GBP (£) Mobile Wallet to support multiple settlement currencies and avoid conversions. Otherwise, you can only avoid currency conversions by charging in your default currency, although that could have a negative impact on your sales.
* Custom pricing available for companies with large payments volume.
** Custom pricing available for large payments volume.
Mobile Wallet supports dozens of popular payment methods around the world with a single integration:
135+ currencies
Global support
If currency conversion is required, an additional 2% fee will apply
Currency conversions occur at the time the charge is made.
If there is a bank account available for that currency at the time the charge is made, no conversion occurs.
If there is no bank account available for that currency, it automatically converts those funds to your default settlement currency.
If you regularly charge in multiple currencies*, choose the correct USD ($), EUR (€) or GBP (£) Mobile Wallet to support multiple settlement currencies and avoid conversions. Otherwise, you can only avoid currency conversions by charging in your default currency, although that could have a negative impact on your sales.
* Custom pricing available for companies with large payments volume.
** Custom pricing available for large payments volume.
Connect with Stripe
Connect your Social Wallet and/or Mobile Card with Stripe in the dashboard. This is needed to process all your mobile payments.
How to identify legitimate emails from Mobile-Media.nl
Mobile-Media.nl will never ask you to provide personal information or sensitive account information (such as passwords) by phone or email. All legitimate emails from Mobile-Media.nl pass Sender Policy Framework (SPF), email-validation system and are designed to detect email spoofing. You should always see our sender/receiver domain of ….@mobile-media.nl
Any emails received claiming to be from Mobile-Media.nl and asking for your password is an attempt to gain access to your profile. Be very careful with phishing attempts and fake emails and report such activities to the support team ASAP so the correct actions can be taken to protect your account.
Always make sure the URL bar has a lock.
Do not trust messages or links sent to you randomly via email, social media, etc.
Always check the URL starts with:
https://mobile-media.nl
https://www.mobile-media.nl
Install an Adblocker and do not click ads on your search engine (e.g. Google)
You should never use public, unsecured Wi-Fi for banking, shopping or entering personal information online (convenience should not trump safety). When in doubt, use your mobile’s 3/4G or LTE connection.
Any emails received claiming to be from Mobile-Media.nl and asking for your password is an attempt to gain access to your profile. Be very careful with phishing attempts and fake emails and report such activities to the support team ASAP so the correct actions can be taken to protect your account.
Always make sure the URL bar has a lock.
Do not trust messages or links sent to you randomly via email, social media, etc.
Always check the URL starts with:
https://mobile-media.nl
https://www.mobile-media.nl
Install an Adblocker and do not click ads on your search engine (e.g. Google)
You should never use public, unsecured Wi-Fi for banking, shopping or entering personal information online (convenience should not trump safety). When in doubt, use your mobile’s 3/4G or LTE connection.
We do not accept the following products or services
Eroticism
Erotic or pornographic images.
Sex dating or sex events.
Prostitution or escort services.
Mail order brides.
Financial services
A financial product or service with an extremely high risk.
An illegal financial product or service.
A money exchange office or money transfers for which the provider is not properly licensed.
Currency trading for which the provider is not properly licensed.
Alternative currencies, payment cards or balances for which the provider is not properly licensed.
Investment products or investment advice for which the provider is not properly licensed.
Collecting payments or factoring.
Cryptocurrency trading.
Medicines
Medicines or pharmacy services for which the provider does not have the correct authorization.
Pseudo-medication.
Drugs
Drugs.
Materials that can be used for the production of cannabis or illegal narcotics.
Dietary Supplements
Food supplements that are harmful to health.
Steroids.
Illegal or stolen products
Illegal Services.
Illegal or stolen products.
Products or services that promote or explain illegal activity.
Products or services that have been unlawfully counterfeit.
Products or services that unlawfully violate the copyright, trademark, or privacy of others.
Gambling
Gambling illegal.
Games of chance for which the provider does not have the correct license.
Binary options or CFDs (Contracts for Difference).
Cent auction.
Socially inappropriate behavior
Products or services that incite terrorism or political violence.
Products or services where the provider avoids legislation and regulations.
Products or services involving deceptive marketing practices.
Misleading, unjust or improper products or services.
Pyramid schemes and other methods by which the provider suggests "get rich quick".
Erotic or pornographic images.
Sex dating or sex events.
Prostitution or escort services.
Mail order brides.
Financial services
A financial product or service with an extremely high risk.
An illegal financial product or service.
A money exchange office or money transfers for which the provider is not properly licensed.
Currency trading for which the provider is not properly licensed.
Alternative currencies, payment cards or balances for which the provider is not properly licensed.
Investment products or investment advice for which the provider is not properly licensed.
Collecting payments or factoring.
Cryptocurrency trading.
Medicines
Medicines or pharmacy services for which the provider does not have the correct authorization.
Pseudo-medication.
Drugs
Drugs.
Materials that can be used for the production of cannabis or illegal narcotics.
Dietary Supplements
Food supplements that are harmful to health.
Steroids.
Illegal or stolen products
Illegal Services.
Illegal or stolen products.
Products or services that promote or explain illegal activity.
Products or services that have been unlawfully counterfeit.
Products or services that unlawfully violate the copyright, trademark, or privacy of others.
Gambling
Gambling illegal.
Games of chance for which the provider does not have the correct license.
Binary options or CFDs (Contracts for Difference).
Cent auction.
Socially inappropriate behavior
Products or services that incite terrorism or political violence.
Products or services where the provider avoids legislation and regulations.
Products or services involving deceptive marketing practices.
Misleading, unjust or improper products or services.
Pyramid schemes and other methods by which the provider suggests "get rich quick".
Shipping & Delivery Policy
To keep shipping costs consistent and fair for everyone, we’ve set guidelines on the maximum shipping costs for all items sold, divided in certain areas around the globe.
Europe
Albania, Andorra, Austria, Belarus, Belgium, Bosnia & Herzegovina, Bulgaria, Canary Islands, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark (excl. Faroe Islands and Greenland), Estonia , Faroe Islands , Finland , France (incl. Corsica and Monaco) , Germany, Gibraltar, Greece, Greenland, Hungary, Iceland, Ireland , Italy (excl. San Marino and Vatican City), Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg , Macedonia , Malta, Moldavia, Montenegro, Norway, Poland, Romania , Portugal (incl. Azores and Madeira), San Marino, Serbia, Slovakia, Slovenia , Spain (incl. Balearic Islands, excl. Canary Islands), Sweden, Switzerland, Turkey, Urkaine, Vatican City.
International
Afghanistan, Albania, Algeria, Andorra, Argentina, Aruba, Australia, Azerbaijan, Bahrain, Bangladesh, Belarus, Brazil, Burkina Faso, Cameroon, Canada, Canary Islands, Cape Verde, Channel Islands, Chile, China (excl. Hong Kong and Macau), Colombia, Costa Rica, Dominican Republic, Ecuador, Egypt, Estonia, Ethiopia, Faroe Islands, Georgia, Ghana, Gibraltar, Greenland, Guernsey, Iceland, India, Indonesia, Iran, Iraq, Israel, Ivory Coast, Jamaica, Japan, Jersey, Jordan, Kazakhstan, Kenya, Kosovo, Kuwait, Latvia, Lebanon, Libya, Liechtenstein, Macau, Macedonia, Malaysia, Malta, Mexico, Moldova, Mongolia, Montenegro, Morocco, Mozambique, Nepal, Netherlands Antilles, New Zealand, Nigeria, Oman, Pakistan, Peru, Philippines, Puerto Rico, Qatar, Romania, Russia (incl. Asiatic Russia), San Marino, Saudi Arabia, Serbia, Sierra Leone, Singapore, Slovakia, Slovenia, South Africa, South Korea, Sri Lanka, Suriname, Taiwan, Tanzania, Thailand, Togo, Tunisia, Turkey, Uganda, Ukraine, United Arab Emirates, United States, Vatican City, Venezuela, Vietnam, Yemen, Zimbabwe.
Type
Examples:
Free Shipping
No Tracking
Unregistered Mail, Downloads
$ 0.00
Economy
No Tracking
...
Unregistered Mail (250 g – 2 kg)
$ 9.99
Track & Trace
Tracking Number
...
Registered Mail (0 – 2 kg)
$ 19.99
...
Package 0 – 2 kg
Tracking Number
Proof of Delivery (signature)
$ 25.00
...
Package 2 – 5 kg
Tracking Number
Proof of Delivery (signature)
$ 35.00
...
Package 5 – 10 kg
Tracking Number
Proof of Delivery (signature)
$ 60.00
...
Package 10 – 20 kg
Tracking Number
Proof of Delivery (signature)
$ 120.00
...
Tracking No. Available: Within 48 hours after shipping. Service Transit Time is provided by carrier.
Sellers are adviced to only ship to your confirmed shipping address. Please make sure that your order address MATCHES shipping address.
Buyers are responsible for Duty or Custom Fees and Taxes.
Limited Warranty for defective items (excluding items damaged and/or misused after receipt).
If you do not receive your shipment within 30 days, please contact seller first, before you contact us.
Europe
Albania, Andorra, Austria, Belarus, Belgium, Bosnia & Herzegovina, Bulgaria, Canary Islands, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark (excl. Faroe Islands and Greenland), Estonia , Faroe Islands , Finland , France (incl. Corsica and Monaco) , Germany, Gibraltar, Greece, Greenland, Hungary, Iceland, Ireland , Italy (excl. San Marino and Vatican City), Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg , Macedonia , Malta, Moldavia, Montenegro, Norway, Poland, Romania , Portugal (incl. Azores and Madeira), San Marino, Serbia, Slovakia, Slovenia , Spain (incl. Balearic Islands, excl. Canary Islands), Sweden, Switzerland, Turkey, Urkaine, Vatican City.
International
Afghanistan, Albania, Algeria, Andorra, Argentina, Aruba, Australia, Azerbaijan, Bahrain, Bangladesh, Belarus, Brazil, Burkina Faso, Cameroon, Canada, Canary Islands, Cape Verde, Channel Islands, Chile, China (excl. Hong Kong and Macau), Colombia, Costa Rica, Dominican Republic, Ecuador, Egypt, Estonia, Ethiopia, Faroe Islands, Georgia, Ghana, Gibraltar, Greenland, Guernsey, Iceland, India, Indonesia, Iran, Iraq, Israel, Ivory Coast, Jamaica, Japan, Jersey, Jordan, Kazakhstan, Kenya, Kosovo, Kuwait, Latvia, Lebanon, Libya, Liechtenstein, Macau, Macedonia, Malaysia, Malta, Mexico, Moldova, Mongolia, Montenegro, Morocco, Mozambique, Nepal, Netherlands Antilles, New Zealand, Nigeria, Oman, Pakistan, Peru, Philippines, Puerto Rico, Qatar, Romania, Russia (incl. Asiatic Russia), San Marino, Saudi Arabia, Serbia, Sierra Leone, Singapore, Slovakia, Slovenia, South Africa, South Korea, Sri Lanka, Suriname, Taiwan, Tanzania, Thailand, Togo, Tunisia, Turkey, Uganda, Ukraine, United Arab Emirates, United States, Vatican City, Venezuela, Vietnam, Yemen, Zimbabwe.
Type
Examples:
Free Shipping
No Tracking
Unregistered Mail, Downloads
$ 0.00
Economy
No Tracking
...
Unregistered Mail (250 g – 2 kg)
$ 9.99
Track & Trace
Tracking Number
...
Registered Mail (0 – 2 kg)
$ 19.99
...
Package 0 – 2 kg
Tracking Number
Proof of Delivery (signature)
$ 25.00
...
Package 2 – 5 kg
Tracking Number
Proof of Delivery (signature)
$ 35.00
...
Package 5 – 10 kg
Tracking Number
Proof of Delivery (signature)
$ 60.00
...
Package 10 – 20 kg
Tracking Number
Proof of Delivery (signature)
$ 120.00
...
Tracking No. Available: Within 48 hours after shipping. Service Transit Time is provided by carrier.
Sellers are adviced to only ship to your confirmed shipping address. Please make sure that your order address MATCHES shipping address.
Buyers are responsible for Duty or Custom Fees and Taxes.
Limited Warranty for defective items (excluding items damaged and/or misused after receipt).
If you do not receive your shipment within 30 days, please contact seller first, before you contact us.
Delivery Time
The time your order takes to be delivered varies depending on the type of products you order, your delivery address and the delivery method you choose. During sale and promotion periods delivery might take a little longer than expected from some countries.
What to do if I don't receive my order
If you paid for an item and haven’t received it, there are a few things you can do.
1 Open a request
Before opening the request, check the item in your purchase history:
If the estimated delivery date hasn’t passed, the item may be in transit
Make sure the shipping address in the tracking details is correct
If the expected delivery date has passed and you haven’t received the item, let the seller know by opening a request. They’ll have 3 business days to respond and resolve the issue.
2 Not resolved?
If you’re not happy with the seller’s resolution after 3 business days of opening your request, you can ask us to step in and help.
3 Get your money back
You’ll get an answer within 2 days, and if your request qualifies, we’ll send you a refund in your mobile wallet.
1 Open a request
Before opening the request, check the item in your purchase history:
If the estimated delivery date hasn’t passed, the item may be in transit
Make sure the shipping address in the tracking details is correct
If the expected delivery date has passed and you haven’t received the item, let the seller know by opening a request. They’ll have 3 business days to respond and resolve the issue.
2 Not resolved?
If you’re not happy with the seller’s resolution after 3 business days of opening your request, you can ask us to step in and help.
3 Get your money back
You’ll get an answer within 2 days, and if your request qualifies, we’ll send you a refund in your mobile wallet.
How to track my order
To track your order please enter your Order ID in the box and press the “Track” link. This was given to you on your receipt and in the confirmation email you should have received.
Duties, Taxes & Tariffs
For all international orders, you will need to pay for all import taxes, duties and tariffs (if any) as per your country’s governing laws in order to clear customs.
Safety & Security Standards
We force HTTPS across all applications. A secure connection between your internet browser and our servers protect all the data transmitted over the connection. SSL is the most secure internet protocol, used by high street banks or governments to encrypt communications. Whether your customers connect from a mobile or computer, from home or a public Wifi hotspot, SSL ensures end-to-end encryption. All funds are paid into mobile wallets, fees are automatically deducted and funds sent straight to the seller. In case of an escrow, funds are transferred straight to our offline wallets where they will be transferred to a cold wallet until the reception of the item is confirmed by the buyer. We do not keep any customer’s funds on our servers. All received payments are automatically forwarded to vendor’s bank account and/or external wallet addresses.
Withdraw Threshold (Merchants)
Withdrawal is depending on the bank the seller is using. SEPA area withdrawals usually take 1-2 business days. For sellers outside SEPA area it may take up to 5 business days.
Minimum withdraw limit (Merchants)
To avoid situations like not delivering the products to the customer or not maintaining their product quality we have a minimum withdraw limit of $50-$100 so we can easily resolve disputes and sellers will maintain their quality.
Payment Processing Fees
Fees are calculated and deducted from the final price of any sold items and/or services, payments are sent to Shop’s offline wallets where fees get deducted before sending the remainder amount to the seller.
Sell - Seller pays 10% flat rate or transaction fee on sold items across the site, network or marketplace regardless of the price or the category the item is listed under.
If your customer is using a third-party gateway, i.e anything other than our mobile wallet payment system, you will incur an additional charge. This is to integrate your mobile shop with external (blockchain) gateways and is a fixed charge of 1% per transaction (average blockchain processing fees) which will be deducted from your deposit as buyer or withdrawal as seller.
Accepting credit card payments comes with some additional costs to consider. Normally you would be required to pay monthly fees, as well as cover the cost of hosting & technical support for your mobile shop. In order to host, accept credit cards as a form of payment, your businesses will need to sign up with us first and verify your account. We act as middlemen between the merchant and the credit issuer. For a fee, we are the ones that handle processing of all credit card payments for your business - everything from collecting interchange fees to managing the transfer of funds between the merchant and the credit issuing providers.
Sell - Seller pays 10% flat rate or transaction fee on sold items across the site, network or marketplace regardless of the price or the category the item is listed under.
If your customer is using a third-party gateway, i.e anything other than our mobile wallet payment system, you will incur an additional charge. This is to integrate your mobile shop with external (blockchain) gateways and is a fixed charge of 1% per transaction (average blockchain processing fees) which will be deducted from your deposit as buyer or withdrawal as seller.
Accepting credit card payments comes with some additional costs to consider. Normally you would be required to pay monthly fees, as well as cover the cost of hosting & technical support for your mobile shop. In order to host, accept credit cards as a form of payment, your businesses will need to sign up with us first and verify your account. We act as middlemen between the merchant and the credit issuer. For a fee, we are the ones that handle processing of all credit card payments for your business - everything from collecting interchange fees to managing the transfer of funds between the merchant and the credit issuing providers.
Mobile Compatibility
Your dashboard and payment pages are 100% mobile and tablet compliant, so your counterparts can pay you anytime and on any device with an internet connection (iPhone, Android, Windows, Linux).
VPN Blocks
A connection to the internet that can not bypass VPN and can’t provide access to data tracked to yourself or your location. If this happens (transaction fails), please turn of your VPN connection (app, software) and try again.
Strong Customer Authentication (SCA)
Strong Customer Authentication (SCA)* is a regulation that took effect on September 14, 2019 that requires merchants to use multiple methods of verifying a customer’s identity.
Merchants accepting online payments need to use two independent authentication methods to verify that a customer is who they say they are. SCA applies when the acquiring bank or processor is in the European Economic Area (EEA) and the customer’s payment instrument is issued in the EEA. The EEA includes all European Union member states as well as Iceland, Liechtenstein, and Norway. The location of the merchant does not matter.
SCA applies to subscriptions, too. On and after September 14, 2019, your customers need to authenticate the first payment on their subscription. Exemptions are granted for recurring charges in many cases, including those that began before September 14, though it is the customer’s bank that determines whether to require SCA or accept the exemption.
Merchants accepting online payments need to use two independent authentication methods to verify that a customer is who they say they are. SCA applies when the acquiring bank or processor is in the European Economic Area (EEA) and the customer’s payment instrument is issued in the EEA. The EEA includes all European Union member states as well as Iceland, Liechtenstein, and Norway. The location of the merchant does not matter.
SCA applies to subscriptions, too. On and after September 14, 2019, your customers need to authenticate the first payment on their subscription. Exemptions are granted for recurring charges in many cases, including those that began before September 14, though it is the customer’s bank that determines whether to require SCA or accept the exemption.
MATCH Qualification
Mastercard’s Alert to Control High-Risk Merchants (MATCH) list
Card networks, 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 processors must check a TMF when accepting a new user, and are also required to add merchants to a TMF if the account is closed and 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.
The most common list—and the only one with global reach—is Mastercard’s MATCH, or the Mastercard Alert to Control High-Risk Merchants. In the following sections, we describe how MATCH qualification works and what happens to MATCH entries.
Criteria for MATCH Qualification
When a relationship ends between a business and a credit card processor, the processor must determine whether the business meets criteria to be placed on MATCH.
If any MATCH criteria are satisfied, the processor must add information about the business to MATCH within one business day of termination or within one business day of the account becoming eligible for MATCH after termination.
Qualitative criteria
The majority of MATCH criteria, or “reason codes,” involve breaches of card network rules, including illegal activity and collusion. These 11 reason codes, and the exact Mastercard definition, are listed below:
CODE REASON DESCRIPTION
#1 Account Data Compromise
An occurrence that results, directly or indirectly, in the unauthorized access to or disclosure of Account data.
#2 Common Point of Purchase
Account data is stolen at the Merchant and then used for fraudulent purchases at other Merchant locations.
#3 Laundering
The Merchant was engaged in laundering activity. Laundering means that a Merchant presented to its Acquirer Transaction records that were not valid Transactions for sales of goods or services between that Merchant and a bona fide Cardholder.
#7 Fraud Conviction
There was a criminal fraud conviction of a principal owner or partner of the Merchant.
#8 Mastercard Questionable Merchant Audit Program
The Merchant was determined to be a Questionable Merchant as per the criteria set forth in the Mastercard Questionable Merchant Audit Program.
#9 Bankruptcy/Liquidation/Insolvency
The Merchant was unable or is likely to become unable to discharge its financial obligations.
#10 Violation of Standards
With respect to a Merchant reported by a Mastercard Acquirer, the Merchant was in violation of one or more Standards that describe procedures to be employed by the Merchant in Transactions in which Cards are used, including, by way of example and not limitation, the Standards for honoring all Cards, displaying the Marks, charges to Cardholders, minimum/ maximum Transaction amount restrictions, and prohibited Transactions set forth in Chapter 5 of the Mastercard Rules manual.
#11 Merchant Collusion
The Merchant participated in fraudulent collusive activity.
#12 PCIDSS Non-Compliance
The Merchant failed to comply with Payment Card Industry (PCI) Data Security Standard (DSS) requirements.
#13 Illegal Transactions
The Merchant was engaged in illegal Transactions.
#14 Identity Theft
The Acquirer has reason to believe that the identity of the listed Merchant or its principal owner(s) was unlawfully assumed for the purpose of unlawfully entering into a Merchant Agreement.
The Identity Theft reason code should be used when a fraudulent account is opened with stolen information, and the listing of this information on MATCH should not hamper the legitimate identity holder from opening a processing account. It instead serves as a warning to the credit card processor that the application may contain stolen identity information.
Quantitative criteria
Two MATCH reason codes have specific numeric thresholds defined by Mastercard for when processors must add accounts to MATCH.
These reason codes, which involve chargeback and fraud activity on an account, are the most common reasons for being added to MATCH, and can affect businesses that are not engaged in illegal or rule-violating activity. These reason codes are as follows:
CODE REASON DESCRIPTION
#4 Excessive Chargebacks
With respect to a Merchant reported by a Mastercard Acquirer, the number of Mastercard chargebacks in any single month exceeded 1% of the number of Mastercard sales Transactions in that month, and those chargebacks totaled USD 5,000 or more.
#5 Excessive Fraud
The Merchant effected fraudulent Transactions of any type (counterfeit or otherwise) meeting or exceeding the following minimum reporting Standard: the Merchant’s fraud-to-sales dollar volume ratio was 8% or greater in a calendar month, and the Merchant effected 10 or more fraudulent Transactions totaling USD 5,000 or more in that calendar month.
Additional information on excessive chargebacks & fraud
These MATCH reason codes are separate from card brand chargeback and fraud monitoring programs operated by Visa and Mastercard. However, as defined, the excessive chargebacks criteria only applies to activity on Mastercard cards, even though MATCH is required by all major card networks. If dispute activity does not take place on a Mastercard card, it would not qualify toward MATCH counts. Other card networks may ask for businesses to be listed on MATCH if those businesses hit the “excessive” stages of their card brand monitoring programs or are fined as part of those programs.
A month is defined as a calendar month. For example, if a processor were evaluating MATCH eligibility from the month of January, they would look at the number of transactions in January and the number of chargebacks in January—not the number of chargebacks from transactions made in January.
Once a business meets the excessive chargebacks or fraud MATCH criteria in a calendar month, the merchant must be added to MATCH if the processing relationship is terminated, even if the processing relationship is not ended in that calendar month. For example, if a business only meets MATCH criteria in February, and the processing relationship is not ended until September, the processor is still required to add information to MATCH even though the qualifying activity took place in February. Additionally, even if a business does not meet MATCH criteria when the relationship is initially terminated, it can still qualify for MATCH if the criteria are met afterward—for example, if chargebacks are initiated after termination.
Example Qualification Data
Take the following sample data from a calendar month:
Number of Mastercard transactions: 125
Number of Mastercard chargebacks: 6
Ratio of chargebacks to transactions: (6/125) = 4.8%
Volume of Mastercard chargebacks: $6250
In this case, the business would qualify for MATCH for excessive chargebacks if the processing relationship later terminates. It does not matter if chargebacks are later reversed or won by the merchant.
Note that there is no minimum number of chargebacks for MATCH qualification for excessive chargebacks.
Card networks, 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 processors must check a TMF when accepting a new user, and are also required to add merchants to a TMF if the account is closed and 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.
The most common list—and the only one with global reach—is Mastercard’s MATCH, or the Mastercard Alert to Control High-Risk Merchants. In the following sections, we describe how MATCH qualification works and what happens to MATCH entries.
Criteria for MATCH Qualification
When a relationship ends between a business and a credit card processor, the processor must determine whether the business meets criteria to be placed on MATCH.
If any MATCH criteria are satisfied, the processor must add information about the business to MATCH within one business day of termination or within one business day of the account becoming eligible for MATCH after termination.
Qualitative criteria
The majority of MATCH criteria, or “reason codes,” involve breaches of card network rules, including illegal activity and collusion. These 11 reason codes, and the exact Mastercard definition, are listed below:
CODE REASON DESCRIPTION
#1 Account Data Compromise
An occurrence that results, directly or indirectly, in the unauthorized access to or disclosure of Account data.
#2 Common Point of Purchase
Account data is stolen at the Merchant and then used for fraudulent purchases at other Merchant locations.
#3 Laundering
The Merchant was engaged in laundering activity. Laundering means that a Merchant presented to its Acquirer Transaction records that were not valid Transactions for sales of goods or services between that Merchant and a bona fide Cardholder.
#7 Fraud Conviction
There was a criminal fraud conviction of a principal owner or partner of the Merchant.
#8 Mastercard Questionable Merchant Audit Program
The Merchant was determined to be a Questionable Merchant as per the criteria set forth in the Mastercard Questionable Merchant Audit Program.
#9 Bankruptcy/Liquidation/Insolvency
The Merchant was unable or is likely to become unable to discharge its financial obligations.
#10 Violation of Standards
With respect to a Merchant reported by a Mastercard Acquirer, the Merchant was in violation of one or more Standards that describe procedures to be employed by the Merchant in Transactions in which Cards are used, including, by way of example and not limitation, the Standards for honoring all Cards, displaying the Marks, charges to Cardholders, minimum/ maximum Transaction amount restrictions, and prohibited Transactions set forth in Chapter 5 of the Mastercard Rules manual.
#11 Merchant Collusion
The Merchant participated in fraudulent collusive activity.
#12 PCIDSS Non-Compliance
The Merchant failed to comply with Payment Card Industry (PCI) Data Security Standard (DSS) requirements.
#13 Illegal Transactions
The Merchant was engaged in illegal Transactions.
#14 Identity Theft
The Acquirer has reason to believe that the identity of the listed Merchant or its principal owner(s) was unlawfully assumed for the purpose of unlawfully entering into a Merchant Agreement.
The Identity Theft reason code should be used when a fraudulent account is opened with stolen information, and the listing of this information on MATCH should not hamper the legitimate identity holder from opening a processing account. It instead serves as a warning to the credit card processor that the application may contain stolen identity information.
Quantitative criteria
Two MATCH reason codes have specific numeric thresholds defined by Mastercard for when processors must add accounts to MATCH.
These reason codes, which involve chargeback and fraud activity on an account, are the most common reasons for being added to MATCH, and can affect businesses that are not engaged in illegal or rule-violating activity. These reason codes are as follows:
CODE REASON DESCRIPTION
#4 Excessive Chargebacks
With respect to a Merchant reported by a Mastercard Acquirer, the number of Mastercard chargebacks in any single month exceeded 1% of the number of Mastercard sales Transactions in that month, and those chargebacks totaled USD 5,000 or more.
#5 Excessive Fraud
The Merchant effected fraudulent Transactions of any type (counterfeit or otherwise) meeting or exceeding the following minimum reporting Standard: the Merchant’s fraud-to-sales dollar volume ratio was 8% or greater in a calendar month, and the Merchant effected 10 or more fraudulent Transactions totaling USD 5,000 or more in that calendar month.
Additional information on excessive chargebacks & fraud
These MATCH reason codes are separate from card brand chargeback and fraud monitoring programs operated by Visa and Mastercard. However, as defined, the excessive chargebacks criteria only applies to activity on Mastercard cards, even though MATCH is required by all major card networks. If dispute activity does not take place on a Mastercard card, it would not qualify toward MATCH counts. Other card networks may ask for businesses to be listed on MATCH if those businesses hit the “excessive” stages of their card brand monitoring programs or are fined as part of those programs.
A month is defined as a calendar month. For example, if a processor were evaluating MATCH eligibility from the month of January, they would look at the number of transactions in January and the number of chargebacks in January—not the number of chargebacks from transactions made in January.
Once a business meets the excessive chargebacks or fraud MATCH criteria in a calendar month, the merchant must be added to MATCH if the processing relationship is terminated, even if the processing relationship is not ended in that calendar month. For example, if a business only meets MATCH criteria in February, and the processing relationship is not ended until September, the processor is still required to add information to MATCH even though the qualifying activity took place in February. Additionally, even if a business does not meet MATCH criteria when the relationship is initially terminated, it can still qualify for MATCH if the criteria are met afterward—for example, if chargebacks are initiated after termination.
Example Qualification Data
Take the following sample data from a calendar month:
Number of Mastercard transactions: 125
Number of Mastercard chargebacks: 6
Ratio of chargebacks to transactions: (6/125) = 4.8%
Volume of Mastercard chargebacks: $6250
In this case, the business would qualify for MATCH for excessive chargebacks if the processing relationship later terminates. It does not matter if chargebacks are later reversed or won by the merchant.
Note that there is no minimum number of chargebacks for MATCH qualification for excessive chargebacks.
Ongoing Monitoring of Users
Mobile Media reserves the right to continuously monitor, on a risk sensitive basis, the business
relationship with a User (as applicable) by:
a) reviewing from time to time documents, data and information that have been obtained by Mobile Media to ensure that such documents, data and information are up to date;
b) conducting appropriate scrutiny of Transactions and activities carried out by Users to ensure that they are consistent with Mobile Media’s knowledge of the User’s business and risk profile, and to ensure that such Transactions and activities are in line with Mobile Media’s knowledge of the User’s or User’s source of funds and source of wealth; and
c) identifying transactions that are unusually large in amount or of an unusual pattern and have no apparent economic or lawful purpose.
For the avoidance of doubt, Mobile Media may undertake ongoing monitoring on Users in order to
ensure that any Transactions equal to or in excess of € 500 (or its equivalent in any other currency)
shall be subject to enhanced due diligence in relation to the source of funds and source of wealth
of the User.
To continuously monitor the business relationship with a User (as applicable), Mobile Media may
carry out a file review to ensure that information held about the User is up-to-date and that identification documents held are still valid. In addition, on a more frequent basis, Mobile Media
may also monitor transactional activity to identify any red-flags or ‘out of the norm’ activity.
As part of the second line of defense, the Money Laundering Reporting Officer will carry out checks to ensure that regular and effective on-going monitoring is being effected and ensure that irregular or suspicious activities are effectively escalated.
Sanctioned Jurisdictions, Prohibited Jurisdictions and High Risk Jurisdictions Mobile Media will establish and maintain the following lists of jurisdictions (i) Sanctioned Jurisdictions (ii) Prohibited Jurisdictions and (iii) High Risk Jurisdictions. In determining the list of Sanctioned Jurisdictions, Prohibited Jurisdictions and High Risk Jurisdictions,
Mobile Media shall take into account the lists issued by the Financial Action Task Force and by other organizations issuing guidelines and lists relating to the adequacy of legislative measures adopted by jurisdictions in relation to money laundering, funding of terrorism and transparency.
Users which are (i) resident or domiciled in, or (ii) have their source of wealth or source of funds linked to a Sanctioned Jurisdiction and/or a Prohibited Jurisdiction shall not be accepted as clients of Mobile Media.
Users which are (i) resident or domiciled in, or (ii) have their source of wealth or source of funds
linked to High Risk Jurisdictions shall be subject to additional checks and measures by Mobile Media.
High risk situations
In certain circumstances, the risk may be higher and Mobile Media will need to take additional checks. These include, for example, situations where the User is from a High Risk Jurisdiction,
where the User is a Politically Exposed Person, or the User’s or User’s behavior and activities raise other red flags.
In a high risk situation, Mobile Media will:
a) where a business relationship has not yet been established, obtain approval from
senior management to establish the business relationship and take reasonable measures to verify the User’s or beneficial owner’s source of wealth and source of funds that will be involved in the business relationship; and
b) where a business relationship has been established, obtain approval from senior management to continue the business relationship, take reasonable measures to verify the beneficial owner’s identity, and take reasonable measures to verify the User’s or beneficial owner’s source of wealth and source of funds that will be involved in the business relationship.
relationship with a User (as applicable) by:
a) reviewing from time to time documents, data and information that have been obtained by Mobile Media to ensure that such documents, data and information are up to date;
b) conducting appropriate scrutiny of Transactions and activities carried out by Users to ensure that they are consistent with Mobile Media’s knowledge of the User’s business and risk profile, and to ensure that such Transactions and activities are in line with Mobile Media’s knowledge of the User’s or User’s source of funds and source of wealth; and
c) identifying transactions that are unusually large in amount or of an unusual pattern and have no apparent economic or lawful purpose.
For the avoidance of doubt, Mobile Media may undertake ongoing monitoring on Users in order to
ensure that any Transactions equal to or in excess of € 500 (or its equivalent in any other currency)
shall be subject to enhanced due diligence in relation to the source of funds and source of wealth
of the User.
To continuously monitor the business relationship with a User (as applicable), Mobile Media may
carry out a file review to ensure that information held about the User is up-to-date and that identification documents held are still valid. In addition, on a more frequent basis, Mobile Media
may also monitor transactional activity to identify any red-flags or ‘out of the norm’ activity.
As part of the second line of defense, the Money Laundering Reporting Officer will carry out checks to ensure that regular and effective on-going monitoring is being effected and ensure that irregular or suspicious activities are effectively escalated.
Sanctioned Jurisdictions, Prohibited Jurisdictions and High Risk Jurisdictions Mobile Media will establish and maintain the following lists of jurisdictions (i) Sanctioned Jurisdictions (ii) Prohibited Jurisdictions and (iii) High Risk Jurisdictions. In determining the list of Sanctioned Jurisdictions, Prohibited Jurisdictions and High Risk Jurisdictions,
Mobile Media shall take into account the lists issued by the Financial Action Task Force and by other organizations issuing guidelines and lists relating to the adequacy of legislative measures adopted by jurisdictions in relation to money laundering, funding of terrorism and transparency.
Users which are (i) resident or domiciled in, or (ii) have their source of wealth or source of funds linked to a Sanctioned Jurisdiction and/or a Prohibited Jurisdiction shall not be accepted as clients of Mobile Media.
Users which are (i) resident or domiciled in, or (ii) have their source of wealth or source of funds
linked to High Risk Jurisdictions shall be subject to additional checks and measures by Mobile Media.
High risk situations
In certain circumstances, the risk may be higher and Mobile Media will need to take additional checks. These include, for example, situations where the User is from a High Risk Jurisdiction,
where the User is a Politically Exposed Person, or the User’s or User’s behavior and activities raise other red flags.
In a high risk situation, Mobile Media will:
a) where a business relationship has not yet been established, obtain approval from
senior management to establish the business relationship and take reasonable measures to verify the User’s or beneficial owner’s source of wealth and source of funds that will be involved in the business relationship; and
b) where a business relationship has been established, obtain approval from senior management to continue the business relationship, take reasonable measures to verify the beneficial owner’s identity, and take reasonable measures to verify the User’s or beneficial owner’s source of wealth and source of funds that will be involved in the business relationship.
KYC/AML Identification Procedures
Mobile Media adopts a risk-based approach to combating money laundering and terrorist financing. By adopting a risk-based approach, Mobile Media is able to ensure that measures to prevent or mitigate money laundering and terrorist financing are commensurate to the identified risks.
Prior to enabling or entering into a Transaction with or for or on behalf of a User or providing any Service to a User, Mobile Media will, if so required by applicable law or if it is otherwise deemed necessary or expedient:
a) identify the User and verify the User’s identity on the basis of documents, data or other information based on a reliable and independent source;
b) if there is a Beneficial Owner in relation to the User, identify the beneficial owner and take reasonable measures to verify the beneficial owner’s identity;
c) obtain information on the purpose and intended nature of the business relationship with the User, unless the purpose and intended nature are clearly stipulated in the relevant documentation between Mobile Media and the User. As part of this process, Mobile Media shall obtain, amongst other matters, information on the source of funds and source of wealth of the User; and
d) if a person purports to act on behalf of the User, (i) identify the person and take reasonable measures to verify the person’s identity on the basis of documents, data or information based on a reliable and independent source; and (ii) verify the person’s authority to act on behalf of the User.
To identify a User who is an individual, Mobile Media will collect information from the User, including but not limited to, his full name, date of birth, place of birth, nationality, place of residence, email address, and the identity document type. Mobile Media will verify the identity of the User with documents such as his national ID, passport and/or driver’s licence and utility bill.
To identify a User who is a legal entity, Mobile Media will collect information from the User, including but not limited to, its full legal name, registration number, date of incorporation / registration, country of incorporation / registration and lists of directors (as applicable to the entity). Mobile Media will verify the User with documents such as Memorandum and Articles of Association (or equivalent), additional beneficial ownership information and documents, and a detailed corporate chart (as applicable to the entity).
If the User is not physically present for identification purposes, Mobile Media may adopt more stringent standards to verify the identity of the User.
Prior to enabling or entering into a Transaction with or for or on behalf of a User or providing any Service to a User, Mobile Media will, if so required by applicable law or if it is otherwise deemed necessary or expedient:
a) identify the User and verify the User’s identity on the basis of documents, data or other information based on a reliable and independent source;
b) if there is a Beneficial Owner in relation to the User, identify the beneficial owner and take reasonable measures to verify the beneficial owner’s identity;
c) obtain information on the purpose and intended nature of the business relationship with the User, unless the purpose and intended nature are clearly stipulated in the relevant documentation between Mobile Media and the User. As part of this process, Mobile Media shall obtain, amongst other matters, information on the source of funds and source of wealth of the User; and
d) if a person purports to act on behalf of the User, (i) identify the person and take reasonable measures to verify the person’s identity on the basis of documents, data or information based on a reliable and independent source; and (ii) verify the person’s authority to act on behalf of the User.
To identify a User who is an individual, Mobile Media will collect information from the User, including but not limited to, his full name, date of birth, place of birth, nationality, place of residence, email address, and the identity document type. Mobile Media will verify the identity of the User with documents such as his national ID, passport and/or driver’s licence and utility bill.
To identify a User who is a legal entity, Mobile Media will collect information from the User, including but not limited to, its full legal name, registration number, date of incorporation / registration, country of incorporation / registration and lists of directors (as applicable to the entity). Mobile Media will verify the User with documents such as Memorandum and Articles of Association (or equivalent), additional beneficial ownership information and documents, and a detailed corporate chart (as applicable to the entity).
If the User is not physically present for identification purposes, Mobile Media may adopt more stringent standards to verify the identity of the User.
Two Factor Authentication (2FA)
We take your security very seriously, which is why we require 2-step verification. Two-Factor Authentication greatly increases the strength of a user account by requiring a secondary code in addition to a username and password when logging in.
Two-Factor authentication adds an important extra layer of protection to your login by combining something you know, your password, with something you have, your Phone or Email, preventing attackers from gaining access to your account even if you lose control of your password.
When you login using Two-factor authenticator you’ll be prompted to enter a secondary Authentication Code from your Phone or Email.
Two-Factor authentication adds an important extra layer of protection to your login by combining something you know, your password, with something you have, your Phone or Email, preventing attackers from gaining access to your account even if you lose control of your password.
When you login using Two-factor authenticator you’ll be prompted to enter a secondary Authentication Code from your Phone or Email.
NFC and Cloud EMV Payment Technology
Instead of using the NFC in the phone as a transmitter for digital wallets, Tap to Phone technology enables the NFC to be used as a receiver. Tap to Phone essentially turns the NFC enabled smartphone into a secure payment terminal by adding a simple, but very complex, certified and approved mobile application to your phone,
Supported Currencies
USD
AED
AFN*
ALL
AMD
ANG
AOA*
ARS*
AUD
AWG
AZN
BAM
BBD
BDT
BGN
BIF
BMD
BND
BOB*
BRL*
BSD
BWP
BYN
BZD
CAD
CDF
CHF
CLP*
CNY
COP*
CRC*
CVE*
CZK
DJF*
DKK
DOP
DZD
EGP
ETB
EUR
FJD
FKP*
GBP
GEL
GIP
GMD
GNF*
GTQ*
GYD
HKD
HNL*
HRK
HTG
HUF
IDR
ILS
INR*
ISK
JMD
JPY
KES
KGS
KHR
KMF
KRW
KYD
KZT
LAK*
LBP
LKR
LRD
LSL
MAD
MDL
MGA
MKD
MMK
MNT
MOP
MRO
MUR*
MVR
MWK
MXN
MYR
MZN
NAD
NGN
NIO*
NOK
NPR
NZD
PAB*
PEN*
PGK
PHP
PKR
PLN
PYG*
QAR
RON
RSD
RUB
RWF
SAR
SBD
SCR
SEK
SGD
SHP*
SLL
SOS
SRD*
STD*
SZL
THB
TJS
TOP
TRY
TTD
TWD
TZS
UAH
UGX
UYU*
UZS
VND
VUV
WST
XAF
XCD
XOF*
XPF*
YER
ZAR
ZMW
Currencies marked with * are not supported by American Express
AED
AFN*
ALL
AMD
ANG
AOA*
ARS*
AUD
AWG
AZN
BAM
BBD
BDT
BGN
BIF
BMD
BND
BOB*
BRL*
BSD
BWP
BYN
BZD
CAD
CDF
CHF
CLP*
CNY
COP*
CRC*
CVE*
CZK
DJF*
DKK
DOP
DZD
EGP
ETB
EUR
FJD
FKP*
GBP
GEL
GIP
GMD
GNF*
GTQ*
GYD
HKD
HNL*
HRK
HTG
HUF
IDR
ILS
INR*
ISK
JMD
JPY
KES
KGS
KHR
KMF
KRW
KYD
KZT
LAK*
LBP
LKR
LRD
LSL
MAD
MDL
MGA
MKD
MMK
MNT
MOP
MRO
MUR*
MVR
MWK
MXN
MYR
MZN
NAD
NGN
NIO*
NOK
NPR
NZD
PAB*
PEN*
PGK
PHP
PKR
PLN
PYG*
QAR
RON
RSD
RUB
RWF
SAR
SBD
SCR
SEK
SGD
SHP*
SLL
SOS
SRD*
STD*
SZL
THB
TJS
TOP
TRY
TTD
TWD
TZS
UAH
UGX
UYU*
UZS
VND
VUV
WST
XAF
XCD
XOF*
XPF*
YER
ZAR
ZMW
Currencies marked with * are not supported by American Express
Minimum Charge Amounts
USD $0.50
AED 2.00 د.إ
AUD $0.50
BGN лв1.00
BRL R$0.50
CAD $0.50
CHF 0.50 Fr
CZK 15.00Kč
DKK 2.50-kr.
EUR €0.50
GBP £0.30
HKD $4.00
HUF 175.00 Ft
INR ₹0.50
JPY ¥50
MXN $10
MYR RM 2
NOK 3.00-kr.
NZD $0.50
PLN 2.00 zł
RON lei2.00
SEK 3.00-kr.
SGD $0.50
AED 2.00 د.إ
AUD $0.50
BGN лв1.00
BRL R$0.50
CAD $0.50
CHF 0.50 Fr
CZK 15.00Kč
DKK 2.50-kr.
EUR €0.50
GBP £0.30
HKD $4.00
HUF 175.00 Ft
INR ₹0.50
JPY ¥50
MXN $10
MYR RM 2
NOK 3.00-kr.
NZD $0.50
PLN 2.00 zł
RON lei2.00
SEK 3.00-kr.
SGD $0.50