We perform several checks on each applicant. These include the following:

Credit Check

We use credit reference agencies to ascertain your credit score and verify your identity, confirming details such as your home address.

MATCH Database

MasterCard International maintains this resource, used to identify merchants and individuals previously terminated for financial misdoings, including card fraud, laundering, unauthorised deposits and more.

TMF Database

TMF merchant accounts are those marked as high-risk by an acquiring bank. The TMF database acts as a banking industry blacklist, and those identified remain on the list for at least five years and are unlikely to find success when applying for new accounts with other banks.

VMAS

The Visa Merchant Alert Service employs a Europe-wide database to protect acquiring banks against poor quality customers, especially those who would otherwise jump from one bank to the next.
The above checks inform our decisions regarding the acceptance or rejection of applications and the extension or discontinuation of existing accounts.

By submitting your application, you confirm that you consent to our performing these checks on a periodic basis.