The path from CBD merchant account termination to MATCH list placement follows the same mechanics as any other MATCH list report, but the circumstances that generate the termination are often specific to the CBD industry's position in the conventional payment processing market. A CBD processor that terminates a merchant account for excessive chargebacks is required to file a MATCH report if the chargeback reason falls within Mastercard's qualifying categories. A processor that terminates a CBD account for acceptable use policy violations may also file a MATCH report depending on the nature of the violation as documented at termination. The merchant's classification as CBD, hemp, or cannabidiol does not change the reporting requirement, but it does affect how frequently these terminations occur.
CBD businesses that have secured conventional merchant accounts have often done so through processors that accept the category under conditions that create ongoing account vulnerability. Elevated monitoring, restrictive chargeback thresholds, and acceptable use language that gives the processor latitude to terminate with limited notice all make CBD merchant accounts less stable than accounts in conventional retail categories. When these accounts are terminated and MATCH listed, the CBD merchant finds itself excluded from a conventional processing market that was already barely open to it. 27 Blockchain's CBD MATCH list payment processing does not require the merchant to clear the MATCH list or rehabilitate its conventional processing history before the blockchain gateway can be deployed.
