Merion is paid out of what we recover for you. There is nothing to pay up front, no membership or sign-up fee, and no charge for simply lodging an account. Our fee is a commission — a share of the funds we actually bring back in — so if an account produces no recovery, it produces no fee. That is the whole arrangement, and we set it out in writing, in your service agreement, before any work begins. This page explains how the pricing works, what shapes your rate, and why a no-win-no-fee structure keeps our interests pointed squarely at yours.

Because the commission is qualitative — tied to what we collect rather than a flat invoice — the only way to give you a real number is to look at your accounts. If you would rather skip straight to that, request a quote or send your ledger through the free debt appraisal and we will come back with the figures.

How our pricing works

Everything below sits on a single principle: we earn when you recover, and not before.

Commission only. Our fee is a percentage of the money we successfully recover on each account — never a fixed bill issued regardless of outcome.
No upfront or membership fees. There is no cost to refer an account, no retainer, and no subscription. You do not pay to get started.
Fee only on successful recovery. If we recover nothing on an account, there is no commission to pay on it. The risk of the chase sits with us, not you.
What affects the rate. Your commission depends on the profile of the work — chiefly the age of the debts (older accounts are harder), the size of each account, the volume you refer over time, and the complexity of the matter, including whether documents are clean and whether the debtor is contactable and solvent.

You can sketch the economics before committing: the net recovery estimator shows what you would keep after commission, the debt recovery ROI calculator frames the return on pursuing an account, and the write-off vs recover calculator weighs chasing against writing the debt off. For background on how the industry prices this work, the how much does debt recovery cost and debt collection fees guides give an honest overview.

How it works

From the moment you refer an account to the moment funds land, the fee side of the relationship follows four clear steps:

Refer the account. Lodge the debtor and the amount owed through refer a debt. It takes a few minutes and costs nothing.
We assess and quote. We review the age, size, volume and complexity of what you have referred, then confirm your commission rate in writing in the service agreement — so you know the terms before any contact is made.
We recover. Our collectors run the recovery process — verification, letters of demand, structured contact and negotiation — to bring the funds in.
Fee deducted from proceeds. When money is recovered, our commission is taken from the proceeds and the balance is remitted to you with a full, itemised statement showing exactly what came in and what was deducted.

Our standard recovery commission schedule

No recovery, no commission. Commission is charged only on amounts we recover, at the rate for the size of the debt referred. This is our standard, indicative schedule — your rate is confirmed in writing before any work begins, and can vary with the age, size, volume and complexity of the accounts referred.

Up to $1,000 25%

$1,001 – $5,000 20%

$5,001 – $20,000 15%

$20,001 and above 10%

Debt referred	Commission on amounts recovered
Up to $1,000	25%
$1,001 – $5,000	20%
$5,001 – $20,000	15%
$20,001 and above	10%

No optional Letter of Demand fee currently applies. If an optional, instruct-only charge of this kind is ever introduced, it would be set out and agreed with you in advance.

GST and how you are charged

Rates are exclusive of GST unless stated; GST is added where it applies. Our commission and any agreed fees are deducted from recovered funds before remittance, and a statement is provided with each remittance run. Any cost outside the standard commission — for example, certain disbursements associated with legal proceedings — is identified and agreed with you before it is incurred.

The schedule above is the standard schedule. Your applicable rate and terms are confirmed in writing in your service agreement before any work begins.

Estimate what you would keep Use our free Net Recovery Estimator to model, on this commission basis, roughly what would land back in your account.

The schedule above is our standard, indicative schedule — not a guaranteed quote. Your exact commission rate depends on the age, value, volume and complexity of the accounts you refer, and we confirm it in writing, in your service agreement, before any work starts. To see a figure for your situation, request a quote.

Why this is fair

A commission-only model aligns our incentives with yours from day one. We are not paid for activity, hours logged, or letters sent — we are paid for results. That means we have every reason to pursue the accounts most likely to recover, to recover as much of each one as we reasonably can, and to do it efficiently rather than dragging matters out. You carry no upfront risk, and we carry the cost of any account that does not pay. It is the clearest possible expression of no-win-no-fee debt recovery: when you win, we win, and when you do not, the cost is ours to absorb.

The same logic shapes our other services. Ongoing receivables management is quoted around the size of your ledger, and debt purchase is a one-off price rather than a commission — but in every case you see the numbers in writing before you commit. Where an account needs to escalate, legal recovery brings its own disbursements, which we identify and agree with you in advance so nothing is ever a surprise.

Common questions

Is there any upfront cost?

No. There is no charge to refer an account, no sign-up or membership fee, and no retainer. You only pay once we have recovered funds, and the fee comes out of those proceeds rather than out of your pocket.

What if you don't recover anything?

Then there is no commission to pay on that account. Our fee is contingent on success, so an account that produces no recovery produces no fee — the cost of pursuing it sits with us. This is what no-win-no-fee means in practice; the no-win-no-fee guide explains it in full.

How is the fee calculated?

It is a percentage of what we recover on each account. The rate is set when we assess your accounts and reflects their age, size, volume and complexity — older, smaller or harder-to-contact accounts typically attract a higher rate, while larger volumes can attract a more favourable one. We confirm the exact figure in writing before any work starts, and you can model the after-fee outcome with the net recovery estimator.

When do I pay?

You never pay separately. When an account recovers, our commission is deducted from the recovered funds and the remainder is paid to you, together with a statement itemising the amount collected and the fee taken. You are never sent a bill to settle out of your own funds.

Does the rate change if I refer more accounts?

It can. Volume is one of the factors we weigh when setting your rate, so a steady flow of accounts is often priced more keenly than a single one-off referral. Tell us what you expect to refer and we will factor it into your quote.

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Fees & Pricing