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Mermaid Pays

Review, Demo Play, Payout, Free Spins & Bonuses

Mermaid Pays is an online video slot created by Atomic Slot Lab. It has five reels and four rows and 50 fixed paylines. Features include wilds, scatters, free spins, a ...mystery replacement feature and a multiplier. The RTP is 95.5%, and the volatility is medium.
 

Mermaid Pays is an online video slot created by Atomic Slot Lab. It has five reels and four rows and 50 fixed paylines. Features include wilds, scatters, free spins, a mystery replacement feature and a multiplier. The RTP is 95.5%, and the volatility is medium.
 
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Pros
  • Mystery replacement feature changes symbols for win chances
  • Chance to extend or retrigger free spins
  • Wins can be multiplied up to 20 times
Cons
  • RTP is lower than average
  • Mystery replacement feature is rare

Introduction

Explore the underwater realm of the mermaids with the Mermaid Pays online slot machine, one of the growing number of Atomic Slot Lab online slots in our catalogue and a game that's packed with surprising features. As well as having paying wilds and scatters, symbols may mysteriously transform to give an extra chance at winning, and the scatter triggers a free spins round that can be extended or even retriggered. Like some video slots, there's an option to buy the bonus feature. The wilds can appear as stacked symbols, and the Mermaid plays a special multiplier role during the bonus feature, making the game live up to its name. Learn more in this Mermaid Pays slot review.

Theme, Graphics & Soundtrack

Set among the colourful coral reefs and ruined underwater temples, the rainbow-tailed mermaid guards the reels, which are populated by octopi, angelfish, jellyfish and stingrays. A golden dolphin dives over the sea waves and calls out when it completes a win as the wild, while a stone temple stands as the scatter. Each time the mermaid pays she presents the prize in a pearl-like orb, and shoals of fish and bubbles signal the transition between the base and bonus games. The soundtrack adds to the mystery and adventurous feel of the game.

Mermaid Pays

Mermaid Pays RTP and variance

The RTP for Mermaid Pays online slot is a little below average at 95.5%, and the variance is medium.

How to Play Mermaid Pays

  1. Once the game loads, you'll see a splash screen giving an overview of the features. Toggle the sound on or off if required and touch the arrow to continue. The sound can also be adjusted in-game.
  2. Before starting, take a moment to familiarise yourself with the game and its features. Touch the information button for rules, features, paytable and paylines. Laptop and tablet users can display these in a separate tab if preferred, but the paytable will not automatically update if the bet amount is changed.
  3. Adjust the game settings if required. Use the menu button to adjust sound, music and turbo mode. If you're using a phone, you can also adjust vibrate and left-hand mode. Turbo mode can also be toggled on or off via its own lightning bolt button in the main game.
  4. Select your bet by touching the arrow buttons next to the bet amount, or open a bet menu by touching the amount itself.
  5. Like most online slot games, Mermaid Pays has an autoplay function. Use the autoplay button to select the number of automatic spins. If available, set the win and loss limits. When using autoplay, keep a close eye on your balance and be ready to stop before you need to, even if the win/loss limits are already set. 
  6. You're ready to start. As with all video slots, please play responsibly.

Bet Sizes & Paytable Wins 

Bet sizes range between 0.25 and 100 coins per spin and are placed on 50 fixed paylines. The highest-paying symbols in the base game are the dolphin wild and the mermaid; each will pay out 10x your total bet for five of a kind. 

Max-win 2,733x
Volatility Medium
Top RTP 95.00%

Mermaid Pays Bonus Features

Mystery Replacement Feature

An advantage of the online slot machine, the mystery replacement feature is a random feature that can occur in both the base game and the free spins bonus round. A random number of symbols will be replaced by a different symbol, which could be any one of the existing symbols, excluding the scatter. All of the changed symbols will be replaced by the same symbol, increasing the chances of a win.

Free Spins Bonus Round

As with many slot games, Mermaid Pays has a bonus feature triggered by three scatters, granting 10 free spins. During the free spins the mermaid becomes a second wild, although she cannot substitute for the dolphin wild or the scatter. Each time there is a win and one or more mermaids are on the reels, each mermaid will match that win, multiplying it. 

Scatters remain active during the feature. Two scatters will extend the feature by three extra spins, while three scatters will retrigger the feature with another 10 free spins.

Buy Bonus Feature

Players have the option of buying a bonus feature at 8x the current bet amount. Although the bonus feature can theoretically produce big wins, there is no guarantee that wins from the bonus round will exceed the amount paid to trigger the bonus.

Mermaid Pays Review

While we weren't able to witness the mystery replacement feature in action during our test run, there is plenty of excitement during the bonus feature. The mermaid transforms from a regular paytable symbol to a wild, although unlike Push Gaming's online slot machine Fat Rabbit slot, where the two wilds interact to extend free spins, the mermaid also becomes a multiplier, leaving it to the scatter to add the extra spins.

Slot Data
Slot Name: Mermaid Pays
Software: Atomic Slot Lab
RTP: 95.00%
Volatility: Medium volatility
Paylines: 50
Reels: 5
Min Bet (all lines covered): £0.25 (GBP)
Max Bet: £100 (GBP)
Top Win: 2733
Features: Wild Symbol, Multiplier, Free Spins, Sub Symbols In Feature, Medium volatility, 5 Reels
Themes:
Last Update: 29/06/2026
UK Available in UK? No. :maker does not have a UKGC license and cannot offer their games at UK licensed casinos.

FAQs

How does the multiplier work on Mermaid Pays?

In Mermaid Pays, the mermaid is the multiplier. For example, if three stingrays win 20 coins (on a 100-coin bet) and four mermaids also appear on the reels during that spin, each of the four mermaids will match the win, effectively multiplying your win by 5x.

Is there a maximum number of free spins on Mermaid Pays?

When the bonus feature is triggered, the initial number of free spins is 10. Free spins can be extended by three (for every two scatters) or ten (for every three scatters). There is no mention on the game's information page of any cap to the free spins, so in theory they can go on indefinitely.

Can I play Mermaid Pays for real money?

Mermaid Pays can be found alongside thousands of slot games on online casinos. New customers may be eligible for a casino bonus. If you choose to play video slots for real money, please gamble responsibly.

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