Merpay Launches New Feature to Cover Insufficient Balances Automatically via Credit

Merpay announced a new feature starting May 12, 2026, that allows users to combine their Merpay balance, points, and credit for seamless payments. When the balance is insufficient at checkout, the system automatically covers the shortfall using 'Merpay Credit' (formerly Merpay Smart Pay). This update addresses a common pain point where 60% of users reported feeling stressed by insufficient funds at the register. The feature also includes spending limit controls and real-time notifications to ensure safe usage and prevent overspending.