Big life moments often come with big purchases, whether it’s a long-awaited trip, a new gadget, a home upgrade, or a month filled with special celebrations. While these purchases matter, paying for them doesn’t always have to feel overwhelming upfront.
To give Filipinos more flexibility in managing spending, Maya, the country’s #1 Digital Bank and leading all-in-one fintech platform, is introducing Mini Payments, a new feature that lets eligible credit card users convert posted purchases into easy monthly installments, directly within the Maya app.
Available to holders of the Maya Black Credit Card and Landers Cashback Everywhere Credit Card, Mini Payments allows users to split eligible transactions into 3, 6, 9, or 12-month payment plans, making budgeting more convenient and predictable.
Unlike traditional installment schemes tied to specific merchants or promo periods, Mini Payments gives users full control. Purchases can be converted after they are made, no need to wait for promos or plan spending around partner stores. It’s designed for real-life spending, where timing doesn’t always follow discounts.
Each plan comes with a fixed 1% monthly interest rate, regardless of term, with approvals typically processed within 24 hours. Users can also track everything, from payment schedules to remaining balances, directly in the app for full transparency.
To qualify, the total converted amount must meet minimum thresholds: ₱3,000 for 3 months, ₱6,000 for 6 months, ₱9,000 for 9 months, and ₱12,000 for 12 months. Multiple purchases can be combined as long as they meet the required total, giving cardholders more flexibility in how they manage their expenses. A Mini Payments calculator is also available for users to simulate plans before converting.
For a limited time, Mini Payments conversions made until September 30, 2026 come with zero processing fees, making it easier for users to try the feature.
Getting started is simple:
Users just open the Maya app, go to Credit Card transactions, select an eligible posted purchase, choose a payment term, review the breakdown, and confirm.
The app provides a full preview of monthly amortization, interest, and payment schedule before confirmation, ensuring users can make informed financial decisions.
By turning larger purchases into predictable monthly payments, Mini Payments helps users align spending with cash flow, offering more breathing room for everyday financial planning.
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