Trusted payment attorney

When your business is on the line, experience matters.

TFM Law helps merchants and high-risk businesses resolve MATCH list issues, defend FTC investigations, and navigate complex payment processing regulations with strategic, results-focused counsel.

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Close-up of three stacked blue credit cards on a gray surface with visible card chip and numbers.

Get off the MATCH list and stay compliant.

Being on the MATCH list can freeze merchant accounts, block payment processing, and put your business at risk. At TFM Law, we focus on MATCH list removal while also providing guidance on payment processing compliance, high-risk merchant solutions, card brand disputes, and payment facilitator contracts.

With deep experience in both regulatory and operational challenges, we help businesses regain access to funds, protect revenue streams, and operate confidently in today’s complex payments landscape.

Get Off the MATCH List

PRACTICE AREAS

Comprehensive Payment Processing & Compliance Solutions

TFM Law provides guidance and strategic solutions for businesses navigating complex payments and regulatory challenges.

Get Off the MATCH List

We help merchants resolve MATCH list issues quickly and strategically, working to remove listings and restore access to reliable payment processing relationships.

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BRAM Violations & Card Brand Issues

Protect businesses facing Visa and Mastercard brand monitoring programs, BRAM assessments, ARPS disputes, and card brand disqualification risks.

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Payment Processing Disputes & Contracts

Resolve payment processor disputes and negotiate merchant, ISO, and payment facilitator agreements to secure favorable terms and mitigate risk.

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Merchant Reserve Disputes & Recovery

Resolve disputes involving withheld or misappropriated merchant reserves and pursue recovery from payment processors when funds are improperly held.

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Money Service Business Compliance

TFM Law helps Money Services Businesses navigate federal and state licensing, registration, and regulatory requirements.

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Payment Facilitator Compliance

Experienced counsel for payment facilitators and service providers navigating underwriting, compliance, sponsorship bank relationships, and card brand rules.

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case study

Restoring Merchant Access After MATCH List Listing

A high-risk e-commerce merchant discovered they were listed on the Mastercard MATCH List, preventing them from opening new merchant accounts. Their existing processor threatened to terminate their account, and alternative processors demanded excessive reserves, putting cash flow and business operations at serious risk.

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Solution

TFM Law stepped in to investigate the reason for the listing, correct compliance issues, and resolve disputed chargebacks. We then negotiated directly with the acquiring bank and Mastercard, leveraging our industry expertise to advocate for removal without litigation.

Outcome

Within weeks, the merchant was successfully removed from the MATCH List, restored access to competitive payment processing, and avoided unnecessary litigation costs. Their business operations stabilized, reserves were reduced, and they regained the freedom to grow confidently.

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About

A pioneer in payment law.

From credit card compliance to MATCH list issues, attorney Theodore Monroe helps clients solve complex payment problems while staying ahead of regulatory challenges.

Meet Theo Monroe

“

Highly recommended for contract law.

”

I hope I never need him again, but I’m really happy to have him in my contacts now.

TFM Law Client

“

Theo was amazing!

”

He listened to me and answered all my questions clearly and succinctly.

TFM Law Client

Dec 11

Ensuring Compliance in Negative Option Trials: Protecting Your Business from Legal Pitfalls

Negative option trials—such as subscription services, product samples, or software demos—are popular marketing strategies for attracting new customers.

Ensuring Compliance in Negative Option Trials: Protecting Your Business from Legal Pitfalls

Negative option billing is one of the most common models used in modern subscription and e-commerce businesses. It includes free trials that convert into paid subscriptions, recurring billing services, and any model where a customer is charged unless they cancel.

Reserves Withheld by Payment Processor: What to Do

When your reserves are withheld by a payment processor, your business cash flow can quickly tighten. For many merchants, these withheld reserves can feel like frozen capital, funds you cannot access even though you have rightfully earned them.

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Trusted payment attorney

Get off the MATCH list and stay compliant.

Comprehensive Payment Processing & Compliance Solutions

Get Off the MATCH List

BRAM Violations & Card Brand Issues

Payment Processing Disputes & Contracts

Merchant Reserve Disputes & Recovery

Money Service Business Compliance

Payment Facilitator Compliance

Restoring Merchant Access After MATCH List Listing

Solution

Outcome

A pioneer in payment law.

“

Highly recommended for contract law.

”

“

Theo was amazing!

”

Dec 11

Ensuring Compliance in Negative Option Trials: Protecting Your Business from Legal Pitfalls

Dec 11

Ensuring Compliance in Negative Option Trials: Protecting Your Business from Legal Pitfalls

Nov 19

Reserves Withheld by Payment Processor: What to Do

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