Merit Insurance Premium Financing
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MeritPay

MeritPay Now
MeritPay Monthly
MeritPay DownPay Deferral
Google Pay Apple Pay Mobile Wallets PayNow
MeritPay PayPal
MeritPay US Debit or Credit Card
Merit Classic Visa MasterCard Amex
MeritPay: The quickest, broadest and most advantaged way to pay for insurance. You can use your Debit Card or Credit Card for one time or recurring payments. You can use the widest possible range of payment mechanisms including Visa, MasterCard, American Express, Diners Club, JCB, Discover, Enroute, Union Pay, Apple Pay, Google Pay, and many other online or mobile wallets.

MeritPay Now:  This is for Inception/ Down Payment or One-Time Payments.
MeritPay Monthly:  This is for Monthly Recurring Payments.
MeritPay DownPay Deferral:  This is 3 payments starting next Friday weekly. 
GooglePay Apple Pay are online wallets that you can transfer funds (such as Etherium or Bitcoin) into for making payments (best on Mobile). 
MeritPay PayPal: Use PayPal to pay for your insurance payments. 

MeritPay U.S. Debit or Credit Cards:  For Customers who may prefer to use a U.S. bank to pay by Debit Card or Credit Card.
MeritPay Classic Visa MasterCard Amex:  For those accustomed to the Classic system this works without the extreme flexiblilty of MeritPay.


Details
Your Merit Account number or Merit Quote number must be entered.  If we cannot identify you, it is your responsibility to have your payment identifiable with your account number, your name, your email (such that even if one is wrong, we can puzzle it out for you).  A Convenience Fee for System Access shall be added to the total amount which shall be used to cover the costs for convenience use of these systems (this fee amount might be less than actual out of pocket costs incurred).  You have the option of using other payment mechanisms, and convenience fees are necessary for paying property taxes, mortgages, insurance, and others where the product sold is a financial obligation determined and priced without additional administration fees which materially impact underwriting.  Merit negotiates the lowest possible Convenience Fee while these costs are complex and inherent within the fintech digital payment world.  If you don't have a system access fee on a Canadian credit card or debit card payment, the cost of it is priced-in already. Merit chooses to be transparent for your understanding and benefit.  You can avoid any System Access Fee by using PAP/PAD pre-authorized banking withdrawal where Merit absorbs 100% of the cost of the payment for you (Canadian bank fees are relatively nominal compared to credit card processors). The Convenience fee only is applied to pay associated fees with transactions incurred, and we respectfully offer you this option at or below our cost averaging just over 3.5% of amount charged using these specialized and advantaged methods.  The fee will be added to your payment, integrated into a single payment amount, and disclosed based on each payment you set up.  Your insurance payments are most affordable, flexible and accessible with MeritPay because of options that are now available to save you time and effort. 

Merit Service Desk:

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Tel:  902-425-7444
        800-425-2544

Fax: 902-422-2260

Text: 902-425-7444

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Merit House
1246 Hollis Street
Halifax, Nova Scotia
​B3J 1T6


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