Paying a debt

How to Pay Your Account Online

Paying online is the quickest way to resolve your account. This guide walks you through it step by step, using only the reference number from your letter.

What you'll do

  • Find the reference number you need before you start
  • Open the secure Pay your balance page
  • Enter your details and complete a card payment
  • Save the confirmation for your own records

4 min read

Before you begin

Paying online does not require an account, a password, or any sign-up. You only need two things: the reference number printed on your letter or notice from Merion, and a Visa, Mastercard or debit card.

Have your letter beside you so you can copy the reference number exactly. If you cannot find it, our guide on how to find your reference number shows you where to look.

Step by step

  1. Go to the Pay your balance page.
  2. Enter your reference number exactly as it appears on your letter, including any letters or dashes.
  3. Enter the amount you wish to pay. To clear the account, this is the full balance shown on your notice.
  4. Continue to the secure payment provider's screen and enter your card number, expiry date and security code.
  5. Review the amount and any surcharge shown, then confirm the payment.
  6. Wait for the on-screen confirmation and reference. Do not close the tab until you see it.

After you pay

Card payments are usually confirmed within minutes. You will see a confirmation on screen, and a receipt is sent to the email address you provide. Keep it as proof of payment.

If you need a record later, our guide on how to get a receipt explains your options. For other ways to pay, see the Help Centre.

Good to know

  • You only need your reference number and a card — no account is required.
  • Always check the amount and any surcharge before you confirm.
  • Card payments usually clear within minutes and a receipt is emailed to you.
  • Keep the confirmation as your proof of payment.

FAQ

Do I need to create an account to pay online?

No. The Pay your balance page lets you pay as a guest using just your reference number and card details.

Is paying online secure?

Yes. Card payments are processed by a PCI-compliant payment provider. Merion never sees or stores your full card number.

How quickly is an online card payment confirmed?

Usually within minutes. You will see an on-screen confirmation and receive a receipt by email.

Still not sure? Our team is happy to talk it through.