Payments & arrangements
Ways to pay, setting up a plan, and what to do if you have already paid.
How do I make a payment?
Your letter sets out the available payment methods. If you no longer have it, we can help.
Read articleCan I set up a payment plan?
Yes. If you can't pay in full, you can propose an instalment arrangement that suits your circumstances.
Read articleCan I pay the original creditor directly?
Once an account is with Merion, it's best to pay through us so the payment is recorded correctly.
Read articleWhat if I have already paid this debt?
Let us know straight away with the date and method of payment, and we'll check it with the original creditor.
Read articleWhat payment methods does Merion accept?
Your letter sets out the available payment methods. If you don't have it, we can confirm your options.
Read articleWill I get a receipt when I pay?
Yes — keep a record of every payment, and contact us if you need confirmation of your balance.
Read articleWhat happens when I finish my payment plan?
When the final instalment clears, the account is settled and closed. Here's what that means.
Read articleCan I change a payment arrangement I have already set up?
Yes. If your circumstances change, contact us early and we'll review the arrangement with you.
Read articleHow do I pay my account online?
Pay securely by card or bank transfer — in full or in part — through the portal or our Pay page.
Read articleIs paying online secure?
Yes. Card payments are handled by a PCI-compliant provider, and Merion never stores your card details.
Read articleCan I set up a payment plan online?
Yes. Log in to the portal and propose an arrangement that suits your circumstances — we consider every request fairly.
Read articleHow do I get a copy of my statement?
Request a full statement of your account online, and we'll send it to the contact we hold for you.
Read articleWhat happens if I miss a payment plan instalment?
If you miss an instalment, contact us straight away — it is usually possible to get back on track before the arrangement is affected.
Read articleCan I make a partial payment?
Yes. A partial payment reduces the outstanding balance and is always better than no payment at all.
Read articleDo I have to pay the full amount at once?
No. Payment arrangements allow you to pay over time in instalments that suit your circumstances.
Read articleWhat reference number should I use when paying by bank transfer?
Always use the reference number from your letter as the payment description when paying by bank transfer.
Read articleCan I pay by credit card?
Yes. Credit and debit card payments are accepted online through our secure payment page.
Read articleWill paying in full stop further contact?
Yes. Once a payment clears and the account is settled, recovery activity ends and no further contact will be made.
Read articleI paid but keep receiving notices — what do I do?
There is usually a short processing delay. If notices continue after your payment has cleared, contact us with your proof of payment.
Read articleCan I negotiate a settlement for less than the full amount?
Settlement offers can be raised with us, and each one is considered on its merits. Here is how to raise one.
Read articleWhat happens to my payment plan if my circumstances change?
Contact us early if your circumstances change — we can review, adjust or pause your arrangement before it falls into difficulty.
Read articleWhen does my payment clear?
Processing times vary by payment method. Here is what to expect for each option, and when the debt is considered paid.
Read articleCan I split my payment across two methods?
In most cases you can combine payment methods — for example, paying part by card and the remainder by bank transfer. Contact us to arrange it.
Read articleWhat happens if my direct debit fails?
If a direct debit payment fails, contact us as soon as possible to reschedule. Here is what to do and what to expect.
Read articleI paid more than I owe — what happens?
If you have paid more than the outstanding balance, contact us and we will arrange a refund of the excess amount.
Read articleCan I get a receipt or proof of payment?
Yes. You can request written confirmation of any payment you have made, and we recommend keeping your own records too.
Read articleHow do I pay using BPAY?
Pay by BPAY using the biller code and your unique reference number, both shown on your notice. Here is how.
Read articleFull list of payment methods Merion accepts
Merion accepts card payments, bank transfer (EFT), BPAY, and PayID. Here is a full rundown of each option.
Read articleCan I pay without setting up an account?
Yes. You can make a payment without creating a portal account — use the Pay your balance page with your reference number.
Read articleI have more than one debt with Merion — can I pay them all together?
If you have more than one account with Merion, you may be able to make a consolidated payment. Contact us to arrange it.
Read articleAre there any fees for paying online?
There are no fees for paying by bank transfer or BPAY. A small card surcharge may apply to card payments — it will be shown before you confirm.
Read articleCan someone else pay my debt for me?
Yes. A family member, friend, employer or anyone else can make a payment on your behalf — here is how.
Read articleWhat is a final payment?
A final payment is the last payment that clears your outstanding balance in full. Here is what happens when it clears and how to get confirmation.
Read articleWhat is a payment default?
A payment default is a failure to pay an amount when it falls due. Here is what triggers it and what it means for the debt.
Read articleCan I pay less than the minimum plan instalment?
Paying less than the agreed instalment is a missed payment — here is what to do instead if the amount has become unmanageable.
Read articleI've set up a direct debit — is there anything else I need to do?
Once a direct debit is set up, here is what to confirm, when the first payment will come out, and what to watch for.
Read articleWhat happens when I've paid the full debt?
Once the full balance is paid and cleared, your account is closed. Here is what that means and how to get written confirmation.
Read articleCan I pay through Centrepay?
Centrepay is a Centrelink deduction service that lets you pay bills directly from your welfare payments. Here is whether it is available for Merion accounts.
Read articleWhat is a payment arrangement and how do I propose one?
A payment arrangement lets you pay a debt in agreed instalments rather than in full immediately. Here is how to propose one and what Merion considers when reviewing it.
Read article