Some purchases are worth saying yes to: a long-awaited trip, a new laptop, a home upgrade, or even a month packed with celebrations. The good news? Paying for them doesn’t always have to happen all at once.
Maya, the country’s leading digital bank and all-in-one fintech platform, is making it easier to manage larger purchases by launching Mini Payments. Available to Maya Black Credit Card and Landers Cashback Everywhere Credit Card holders, the feature allows eligible posted purchases to be converted into monthly payments directly within the Maya app.
Unlike traditional installment offers that are often tied to specific merchants or promotional periods, Mini Payments gives cardholders the flexibility to decide after a purchase has already been made. Eligible transactions can be converted without waiting for special sales, partner merchant promotions, or limited-time installment offers.
Cardholders can split eligible purchases into 3, 6, 9, or 12 monthly payments, all with a fixed 1% monthly interest rate regardless of term. Approval can be completed within 24 hours, and users can track payment schedules and remaining balances directly in the Maya app.
How Mini Payments Works
To get started, the total converted amount must meet the minimum required amount per plan: PHP3,000 for 3 months, PHP6,000 for 6 months, PHP9,000 for 9 months, and PHP12,000 for 12 months.
There is no minimum amount required per individual transaction. Eligible purchases can be combined, provided the total amount meets the minimum requirement for the selected payment plan. Maya also provides a Mini Payments calculator that allows customers to simulate possible payment plans before converting purchases.
Limited-Time Offer
For a limited time, Mini Payments plans created until September 30, 2026, come with zero processing fees, making it easier for customers to try the feature.
Getting Started
• Open the Maya app and go to your Credit Card transactions
• Select any eligible posted transaction you would like to convert
• Choose your preferred 3, 6, 9, or 12-month payment plan
• Review the payment breakdown and tap ‘Continue’ to confirm
The app displays monthly payments, total interest charges, and the payment schedule before confirmation, giving users full visibility before making a decision.
More Flexible Spending
By spreading eligible purchases into manageable monthly payments, Mini Payments helps cardholders align spending with their budgets and cash flow while providing additional flexibility when larger expenses arise.