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Terminated Merchant File / BRAM list



12:07 am on Jan 7, 2014 (gmt 0)

Back this summer, our account with our processor was terminated because we were listed on the MasterCard BRAM List. It took my lawyer a few phone calls to find out who added us to the list but eventually, four months later, he found the guy and spoke with him. He explained the business and it turned out to be a complete misunderstanding. He had us sign a document and fax it to him, stating that we would be taken off the list.

Months go by and I keep applying for new processors and they are all declined. Most say it's because of my business, which they consider high risk. Then last month, an application I submitted with a high risk USA processor was declined again. They said it was because my account was TMF.

I couldn't believe it. I got my lawyer to call back the guy who said he would remove me from the list. He checked his records and saw that he did. He claims we are not long on the list.

So, how does this work? Did the old processor see the BRAM list and then terminate us? Does the old processor need to be aware that we were removed from the BRAM list to remove the TMF? I no longer have an account with the processor that we had when reported.



3:09 pm on Jan 7, 2014 (gmt 0)

From everything I'm reading, it's my understanding that the original processor who added the tmf file, is the only person or company who can release the tmf file. Since I no longer have an account with my past processor, it is going to be a mess getting them to help me out.

The sad part is, it only took me 6 months after getting off the BRAM list to figure this part out. ugh


4:16 pm on Jan 7, 2014 (gmt 0)

WebmasterWorld Administrator engine is a WebmasterWorld Top Contributor of All Time 10+ Year Member Top Contributors Of The Month

This is useful information for all, and i'm sorry to hear of the problems which stem from the misunderstanding.

Please keep us updated.


2:48 pm on Feb 11, 2014 (gmt 0)

What kind of business was this? There may be another option


3:05 pm on Feb 11, 2014 (gmt 0)

My business is sort of difficult because of the nature of it. I sell items that are sold as novelties or gags and they are also clearly marked as being so and useless, but on the surface the item could be considered counterfeit. That was the issue. The guy who controls the BRAM, marked it as counterfeit. I had to get my lawyer involved, explain everything and three months later he agreed to remove us from the list. The problem was, the tmf still existed. It was a big mess. I finally look to have everything removed now, but now all of the account details because of the tmf are making us look bad. Just a total mess.


2:42 pm on Feb 18, 2014 (gmt 0)

Yea, unfortunately it is way to easy to be TMF'd and it is being abused by many in my opinion. You can still get processing depending on who you go through, but it's certainly going to make you look less scrupulous


2:59 pm on Feb 18, 2014 (gmt 0)

I've been TMF's before and it started a chain of problems. The TMF has since been removed and they stated it was placed by mistake due to a misunderstanding of my products and services. Still, when it was on there - not knowing better- I applied for dozens of new merchants account. They were all rejected. Now, even though I'm clean I have a history of denials which looks terrible.


1:10 am on Feb 19, 2014 (gmt 0)

10+ Year Member

Sounds like a big fat lawsuit to me...there seems to be real damages here...if it were me I would be suing. I am not giving you legal advice - I'm not an attorney or pretending to be one...I'm just saying I would be quite angry if this happened to me.

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