Maya has introduced a new credit card feature called Mini Payments, allowing eligible cardholders in the Philippines to convert posted purchases into monthly installments directly through the Maya app. The rollout targets Maya Black Credit Card and Landers Cashback Everywhere Credit Card users, expanding flexible payment options within the country’s growing digital banking ecosystem.
The feature reflects a broader shift in fintech toward post-purchase installment flexibility, where users can manage cash flow without relying on merchant-specific installment promos. With Mini Payments, Maya positions itself closer to buy-now-pay-later services integrated directly into a full digital banking platform.
How Maya Mini Payments Works
Mini Payments allows users to split eligible posted transactions into 3, 6, 9, or 12-month installment plans. All conversions are done inside the Maya after purchase, giving cardholders more control over repayment timing.
Key features include converting posted credit card purchases into installments after purchase, flexible terms of 3, 6, 9, or 12 months, a fixed 1% monthly interest rate across all terms, no per-transaction requirement as long as the total meets the minimum threshold, and approval within 24 hours via the app.
Unlike traditional installment programs tied to specific merchants, Maya’s system works retroactively, allowing users to decide which purchases to convert.
Minimum Spend Requirements and Eligibility Rules
To use Mini Payments, users must meet minimum total conversion thresholds depending on their chosen plan.
These include ₱3,000 for 3-month plans, ₱6,000 for 6-month plans, ₱9,000 for 9-month plans, and ₱12,000 for 12-month plans.
Maya also allows users to combine multiple eligible purchases to meet the required threshold, giving more flexibility in structuring repayments. A built-in calculator in the app helps simulate repayment schedules before conversion, allowing users to assess costs and terms before committing.
Zero Processing Fee Promotion Until 2026
To encourage adoption, Maya is offering a limited-time promo waiving processing fees for Mini Payments created until September 30, 2026. This makes the feature more accessible for first-time users testing installment-based repayment options.
The app also provides full transparency before confirmation, showing a monthly payment breakdown, total interest cost, and repayment schedule.
This aligns with the broader regulatory push in the Philippines toward clearer digital lending disclosures and responsible credit use.
Strengthening Maya’s Position in Digital Credit Ecosystem
Mini Payments adds to Maya’s expanding credit and digital finance portfolio as competition intensifies among fintech platforms in the Philippines. With more users adopting cashless payments and credit-based transactions, embedded installment tools are becoming a key differentiator in digital banking apps.
By integrating installment flexibility directly into its credit card system, Maya is positioning itself within the growing buy-now-pay-later and embedded credit space, competing not just with traditional banks but also with e-wallet and fintech credit providers.
The feature reinforces Maya’s strategy of combining payments, banking, and credit services in a single platform, giving users more control over how they manage everyday and high-value expenses.
