Web Hosting Talk : Web Hosting Main Forums : Ecommerce Hosting & Discussion : Terminated Merchant

[MediaEnterprises]

I have a very important question....

How do I check if I am on the VISA/Mastercard Terminated Merchant List. I am in the process of setting up a new business and I do not want to waste my time if I cannot eventually set-up a merchant account.

My Worldpay account was cancelled approximately a year ago due to the fact that I was processing 5 times my Monthly Limit.

It was a new business and it took off like a rocket. I was unaware that Worldpay would actually close my account due to this.

Anyways, I am concerned that this Account Closure may have been reported and will cause problems when I apply for a Direct Merchant account.

How do I find out if my name/business are listed or not?

It would save me a lot of time & money if I can find out now rather than after my new business/website is complete.

Thank you for your assistance!

[Corey Bryant]

What country are you in?

[MediaEnterprises]

I am located in Canada. We were terminated using Worldpay's 3rd Party Solution.

[Corey Bryant]

You might check with one of the processors in Canada. Depending on the reason, they more than likely will open your account.

Explain the reason and see what happens.

I would also contact Worldpay to see if they will take your name off as well first. If it was just over your limit, they might have suspected fraud. I would contact Worldpay first to see that their recomendations are first. Chances are that they might be able to take your name off it nothing else happened

[MediaEnterprises]

That's one of the problems....

One of the processors declined my application and would not specify why. They simpy stated that there was something negative at the card level.

I suspect that I was placed on the TMF however I just want to know how I can find out FOR SURE.

Thanks!

[Corey Bryant]

I do not know how Worldpay handles thier merchant accounts, etc but you would be best to first contact Worldpay and hopefully they can help you much better than anyone on any forums

[MediaEnterprises]

I will do that. Thanks again Corey!

[cdgcommerce]

Any new processor that you apply with should also be able to confirm whether you were listed on the TMF/MATCH list as well.

[MediaEnterprises]

Yep, just confirmed that I am on the MATCH file. DAMN!!!

Will it make a difference if I set-up a UK Corporation and attempt to open a Merchant Account in Europe? (or will European acquirers, like PAGO or Streamline, be able to find this information)

This is terrible news.

[Corey Bryant]

Don't try to circumvent the TMF. Contact Worldpay first to see what can be worked out. And then be up front with any MAP

[MediaEnterprises]

I was just on the phone with them for the past 30 minutes. They will not remove me and stated that I strictly breached the T & C by processing over my limit and not contacting them regarding this.

I cannot believe I was terminated for running a SUCCESSFUL business that grew rapidly but now I cannot do business anywhere else because of this. That is simply ridiculous.

Here is the original email I received from Worldpay when I was terminated.

----------------------------------------------------------
Company: DVD SHOWS ONLINE

Company ID: 84595


Dear Miss Jacob,

Re: WorldPay Account - termination of facilities notification

As part of our continuous monitoring of account we have noticed that the amount of transactions processed on your WorldPay account is exceeding the amount agreed on application.

After checking your application, I note that you advised that you would not exceed $12,000 USD per month. However, after checking your account, I note that since your account was set live 1 month ago, you have already processed $96,663 USD on your WorldPay account.

In view of the above, we regret to inform you that we are unable to continue providing our services to your company and I have no alternative but to give You notice of the termination of your account with WorldPay with immediate effect.
We are entitled to terminate the contract in accordance with section 9.3 and 11.2 and 2.13 of our Agreement.

In order to protect WorldPay's position I also advise you that we shall be temporarily retaining funds on your account in order to cover for future chargebacks. Sections 2.5, 2.15, and 9.1 of our Agreement enable us to do so. Transactions are subject to a cardholder right of "Chargeback" for a period of up to six months after fulfilment of the purchased product/services. You may find more information about Chargebacks under section VI of our Terms and Conditions.

The position will be reviewed after a two month period to determine whether any funds can be released to you at that time. We will advise you further at that point as to the position with respect to the funds retained by WorldPay.

Regards,

Christelle Point
Senior Risk Analyst,

WorldPay Centre
Science Park
Milton Road
Cambridge
CB4 0WE

Tel. +44 (0)0870 366 1233
Fax. +44 (0)0870 366 1275
Web: http://www.worldpay.com/
-------------------------------------------------

[touol]

Even your business is success, they have to protec themselves too. Both parties agreed on 12k/mo but you got 100k/mo and you are start-up business for them.
I understand their risk team. You had to call them when you came up to your monthly limit and explain why you needed more monthly limit.
Also, DVD SHOWS ONLINE - is it adult related company?
If it is so, then I understand why you have been declined in Canada. There aren't high-risk processors in Canada connected to any canadian bank.