Merco Limited, trading as POLipay is a New Zealand based company providing consumers and merchants, online payment services and systems. Merco is the Master Distributor of the POLi online debit payment system. The POLi payment system is designed to broaden the choice of online payment options by creating the ability to seamlessly transfer funds directly between a customer’s and a merchant using Internet Banking. The POLi system facilitates the payment for the customer, taking all the guess work out of Internet Banking. Both the customer and the merchant receive an instant receipt. Online retailers who offer a POLi payment option for their customers tell us that up to 14% of their online sales are completed using POLi payments. They also tell us that up to half those transactions are from customers who haven’t traded with them before. So that means they're getting a sales increase of up to 7% purely because they offer a non-credit card payment option. Online Billers can embed a POLi payment option on their electronic invoices or statements using POLi Link. POLi link allows merchants to generate a short URL for a payment they want to receive.