For businesses
Referring a debt, our commission model, and what we need from you.
How does Merion's commission model work?
We work on a commission basis — our fee is tied to what we recover, with no hidden charges.
Read articleWhat information do I need to refer a debt?
You don't need everything to get started — here's what helps us act on a referral quickly.
Read articleHow long does debt recovery usually take?
Timeframes vary with the age and circumstances of an account — here are the factors that shape them.
Read articleCan I refer more than one debt at a time?
Yes. Whether it's a handful of invoices or a batch of ageing accounts, we can take them together.
Read articleWhat happens if a debtor disputes the account?
A dispute is a normal part of recovery. Here's how we handle one and what we may need from you.
Read articleDoes Merion recover debts owed from overseas?
Our focus is commercial accounts within Australia. Here's how we can help with cross-border matters.
Read articleWhat information do I need to refer a debt?
You need debtor details, the amount owed, and supporting documents like invoices or a contract. Here is a complete checklist.
Read articleCan I refer a debt that is more than 12 months old?
Yes, but age affects recoverability. Here is what you need to know before referring an older account.
Read articleWhat is your commission rate?
Our commission is a percentage of what we recover, agreed in writing before work begins. Rates vary by account type and age.
Read articleWhat happens after I refer a debt?
After you refer a debt, we verify the file, contact the debtor, and keep you updated on progress through the portal.
Read articleHow do I track progress on a referred debt?
Use the client portal to track the status of referred accounts in real time. We also contact you when action is needed.
Read articleCan I withdraw a debt I've referred?
Yes. You can withdraw a referred debt at any time, though commission may apply to payments already received.
Read articleWhat debts can't Merion recover?
Some debts are outside our scope — including consumer debts, overseas debtors, statute-barred debts, and accounts with disputed ownership.
Read articleHow do I sign up as a Merion client?
Becoming a Merion client is straightforward. Here is an overview of the process, from initial conversation to onboarding.
Read articleCan I refer multiple debts at once?
Yes. You can refer a batch of accounts in one go — here is how to do it efficiently.
Read articleIs there a minimum debt size?
There is no strict minimum, but very small debts may not be commercially viable to recover on a commission basis. Here is what to consider.
Read articleDo you recover consumer (personal) debts?
No. Merion specialises in commercial (B2B) debt recovery only. Here is why, and what to do if you need to recover a consumer debt.
Read articleHow does Merion communicate with my debtors?
We communicate professionally, in compliance with the ACCC/ASIC guideline, beginning with written contact and proceeding methodically from there.
Read articleWhat is the Merion client portal?
The Merion client portal is an online dashboard where you can track referred accounts, view payments received, and access reporting — in real time.
Read articleCan I see what's happening on my accounts?
Yes. The Merion client portal gives you real-time visibility into the status, activity and payments on every account you have referred.
Read articleHow do I add a user to my business account?
To add a team member to your Merion client account, contact us with their name and email address and we will set up their access.
Read articleWhat reporting does Merion provide?
Merion provides monthly recovery summaries, individual account histories, and exportable data through the client portal. Here is what is available.
Read articleCan I pause recovery on an account I've referred?
Yes. You can put a referred account on hold at any time. Here is why you might want to, and how to request it.
Read articleWill referring a debt damage my relationship with my customer?
Referring a debt is a normal business step, and the impact on your customer relationship depends heavily on how it is handled. Here is an honest answer.
Read articleHow does Merion handle debtors who claim they can't pay?
We assess hardship claims fairly, put sustainable arrangements in place where genuine difficulty exists, and keep you informed throughout.
Read articleWhere can I find Merion's service terms?
Merion's service terms are set out in your client service agreement. Here is a summary of the key points and how to access the full document.
Read articleWhat is a placement success rate?
A placement success rate measures how often a collection agency achieves a result on referred accounts. Here is what it means and how to use it.
Read articleHow does Merion protect my data and my customers' data?
Merion handles personal and commercial data in compliance with the Australian Privacy Principles. Here is an overview of our data security practices.
Read articleCan I refer debts owed to a trust?
Yes. Debts owed to a trust are recoverable in the trustee's name. Here is what you need to provide when referring.
Read articleWhat happens when a debtor passes away?
When a debtor passes away, the debt passes to their estate. Here is how Merion handles these cases sensitively and effectively.
Read articleWhat happens if a debtor reverses a payment after it's been remitted to me?
If a payment is reversed after it has been remitted to you, a clawback process applies. Here is how that works and what your obligations are.
Read articleDo you work with insolvency practitioners and liquidators?
Yes. Merion works with insolvency practitioners, liquidators and administrators on proof of debt, portfolio management and account recovery.
Read articleHow quickly does Merion act on a newly referred debt?
Merion begins work on a complete referral within one business day. Here is what happens and how to get the fastest start.
Read articleCan I refer a judgment debt I already have to Merion for enforcement?
Yes. Merion can assist with enforcing an existing court judgment. Here is what is needed and how enforcement support works.
Read articleA debtor says they paid us directly — not through Merion — what do I do?
If a debtor claims they have paid you directly, here is how to reconcile the payment and update the account with Merion.
Read articleThe debtor contacted me directly — what should I do?
Once you have referred a debt to Merion, direct contact from the debtor should be referred back to us. Here is why, and how to handle it.
Read articleHow to rebuild after a commercial debt — steps for business owners
Having a commercial debt collected against your business is stressful, but it does not have to define your future. Here are practical steps to rebuild your financial standing.
Read articleUnderstanding insolvency — what it means for recovery
When a customer enters insolvency, your ability to recover a debt changes significantly. Here is what the main insolvency processes mean for you as a creditor.
Read articleWhat is the PPSR and why should creditors register on it?
The Personal Property Securities Register protects suppliers' interests in goods they have sold on credit. Not registering can mean losing your rights entirely if a customer becomes insolvent.
Read article