Do you receive the decline notification in your transaction feed?
If yes: you’ll need to wait.
If no: go back to the merchant.
Have you asked the merchant if they are aware of any issues their side?
I received it twice in my feed and then verified my
Identity twice. It’s the student loan company so it’s not a small business. The lack of expectation management is objectively bad regardless
Are you paying with your debit card, or flex, or virtual card? Assume you have the money in account to cover the cost? What’s the decline reason that’s given in the transaction failed on the Monzo transaction?
Regular debit, yep, just says declined. Then I get a prove your identity form, I assume that it’s being flagged as fraudulent but having verified my identity twice it would be nice for it to go through.
It’s not above the daily limits for card/account transfer is it? 
Nope, would be nice if Monzo were as responsive as the forum 
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After completing the verify check, do you then have a transaction entry in your feed on monzo saying declined?
Or is it just the website saying declined?
If just the website declining, and nothing in your Monzo feed, it’s the merchant not accepting Monzo.
The active card check and Mastercard check are handled separately, as it goes to Mastercard for a check first, before the payment actually being processed from merchant to monzo.
I get the notification in my feed and then the verification check, this is all being done over the phone
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Monzo confirmed that my message was escalated to a specialist last night at 10pm and I’ve heard nothing since, I just want to pay off my student loan!
Patience.
I assume this is because you have a settlement figure now? If so, try making the payment online rather than over the phone. Once it’s cleared in a few days time, call up the SLC and make sure your balance has settled.