Licensing position
Online recovery in QLD, VIC, NSW & ACT, where our activities need no commercial agent licence.
Trust & compliance
Legal & compliance
How Merion operates lawfully and transparently: an online recovery service across QLD, VIC, NSW and the ACT, aligned with the ACCC & ASIC guideline and the Privacy Act.
Merion is a commercial debt recovery service delivered online — by letter, email, SMS, phone and our secure portal. We do not undertake field-agent attendance, repossession, or court proceedings, and we recover only where the debtor is located in Queensland, Victoria, New South Wales or the Australian Capital Territory. In those jurisdictions, our online recovery activities do not require a commercial agent licence.
We treat compliance as the starting point, not an afterthought. Every contact follows the ACCC & ASIC Debt collection guideline: for collectors and creditors (RG 96), and personal information is handled under the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
How we help
Recovery tailored to how you get paid
ACCC & ASIC aligned
Every step follows the regulators' debt collection guideline (RG 96).
Privacy by design
Personal information handled under the Privacy Act and Australian Privacy Principles.
No field agents or litigation
We don't attend premises, repossess, or run court proceedings — recovery is handled online.
Compliance is the starting point
A documented, auditable process you — and your customers — can trust.
Common questions
Frequently asked questions
Do you need a commercial agent licence?
For the online recovery we provide in QLD, VIC, NSW and the ACT, a commercial agent licence is not required. We do not undertake the licensed field-agent activities (such as attending premises or repossession).
Do you take court action against debtors?
No. Merion is an online recovery service; we do not run litigation or legal proceedings. We focus on resolving accounts through professional contact and negotiation.
How is personal information handled?
In line with the Privacy Act 1988 (Cth) and the Australian Privacy Principles — see our Privacy Policy for detail.
Which guideline do you follow?
The ACCC & ASIC Debt collection guideline for collectors and creditors (RG 96), which governs fair and lawful debt collection in Australia.
Further reading
Guides that may help
The commercial debt recovery process, end to end
What actually happens after you refer an overdue account — every stage from verification to resolution, and what you can see at each step.
The credit-control playbook
The habits that measurably shorten the time it takes to get paid — none of which need new software, only consistency.
Unpaid invoice: the escalation timeline
A practical, day-by-day timeline for chasing an overdue commercial account — from the day it falls due to the point where referring it makes sense.
Get started
Questions about how we operate?
Talk to our team — we're happy to walk you through it.