Big purchases often come with big decisions—whether it’s finally booking that dream vacation, upgrading to a new laptop, refreshing your home, or covering expenses during a busy season of celebrations. Now, Maya is making those decisions easier with a new way to manage spending on your terms.
The country’s leading digital bank and all-in-one fintech platform has introduced Mini Payments, a flexible feature that allows eligible Maya credit cardholders to convert purchases into affordable monthly installments directly through the Maya app.
Available to Maya Black Credit Card and Landers Cashback Everywhere Credit Card holders, Mini Payments gives users greater control over how they pay for purchases. Unlike traditional installment programs that are limited to specific merchants or promotional periods, Maya lets cardholders decide after the purchase has already been made—no partner store requirements, no special sale events, and no advance planning needed.
With Mini Payments, eligible posted transactions can be converted into manageable monthly payments over 3, 6, 9, or 12 months, all at a fixed 1% monthly interest rate, regardless of the chosen term. Approval can be completed within 24 hours, while payment schedules and remaining balances can be monitored conveniently within the Maya app.
The feature also offers flexibility in meeting conversion requirements. Cardholders can combine multiple eligible purchases to reach the minimum amount needed for a chosen plan:
- ₱3,000 for a 3-month term
- ₱6,000 for a 6-month term
- ₱9,000 for a 9-month term
- ₱12,000 for a 12-month term
There is no minimum amount required per individual transaction, giving users more freedom in deciding which purchases to convert. Customers can also explore different payment scenarios through the Mini Payments calculator available within Maya.
Adding to the appeal, all Mini Payments applications approved until September 30, 2026 will enjoy zero processing fees, making it easier and more cost-effective to try the feature.
Converting purchases is simple:
- Open the Maya app and access your Credit Card transactions.
- Select an eligible posted transaction.
- Choose a preferred payment term of 3, 6, 9, or 12 months.
- Review the payment details and tap “Continue” to confirm.
Before confirmation, the app clearly shows the monthly amortization, total interest charges, and payment schedule, ensuring full transparency and helping users make informed financial decisions.
By transforming larger expenses into smaller, more manageable monthly payments, Maya’s Mini Payments feature empowers cardholders to better align spending with their budget and cash flow—providing flexibility exactly when they need it most.
For more information, visit Maya Philippines or Maya Bank. Follow Maya on social media through @makeyourmoneymaya on Facebook, Instagram, YouTube, and TikTok for the latest updates and offers.
Approval and offers remain subject to credit evaluation. Maya Philippines, Inc. and Maya Bank, Inc. are regulated by the Bangko Sentral ng Pilipinas. For assistance, customers may access the Help Center through the Maya app or contact customer support at (+632) 8845-7788 from 8:00 AM to 7:00 PM daily.