Maya Mini Payments Lets You Convert Credit Card Purchases Into Flexible Monthly Installments

Mini Payments gives Maya credit card holders a new way to spread out eligible purchases into manageable monthly payments directly within the Maya app, offering greater flexibility for travel, gadgets, home upgrades, and other major expenses.

• Flexible Spending: Maya's new Mini Payments feature allows eligible credit card purchases to be converted into monthly payment plans after the transaction has already been made.
• Convenient Management: Everything from application and approval to payment tracking can be handled directly within the Maya app, eliminating the need for additional paperwork or merchant-specific installment offers.
• Limited-Time Savings: Cardholders who create Mini Payment plans until September 30, 2026 can enjoy zero processing fees, making the feature even more attractive for larger purchases.

Big-ticket purchases often arrive when people least expect them.

Whether it's finally booking that long-awaited vacation, upgrading to a new laptop for work or school, improving a living space, or simply navigating a season filled with celebrations and expenses, paying for everything in one go can sometimes put pressure on a budget.

To help address this challenge, Maya Mini Payments has been introduced as a new feature designed to give cardholders more flexibility in managing larger purchases.

Available to Maya Black Credit Card and Landers Cashback Everywhere Credit Card holders, Mini Payments allows eligible posted transactions to be converted into manageable monthly payment plans directly within the Maya app.

More Flexibility After The Purchase

Traditional installment programs often require shoppers to purchase from participating merchants or wait for special promotional periods before they can enjoy installment terms.

Mini Payments takes a different approach.

Instead of requiring users to plan ahead, the feature allows eligible purchases to be converted after they have already been completed. This gives cardholders the flexibility to decide later whether they want to spread out their payments, without needing to search for partner stores or limited-time installment offers.

For consumers who value convenience and financial flexibility, this can make managing larger expenses significantly easier.

Multiple Payment Terms Available

Through Mini Payments, eligible purchases may be converted into 3, 6, 9, or 12 monthly payments.

All plans come with a fixed 1% monthly interest rate regardless of the chosen term, helping cardholders clearly understand their payment obligations from the start.

According to Maya, approval can happen within 24 hours. Users can then conveniently view their payment schedules, remaining balances, and installment details directly inside the Maya app.

This integrated approach allows customers to manage their credit card activity and installment plans from a single platform.

Simple Eligibility Requirements

Getting started with Mini Payments does not require individual purchases to meet a specific transaction amount.

Instead, cardholders simply need to meet the minimum total converted amount for their chosen plan:

• PHP 3,000 for a 3-month plan
• PHP 6,000 for a 6-month plan
• PHP 9,000 for a 9-month plan
• PHP 12,000 for a 12-month plan

Multiple eligible purchases may be combined to reach the required minimum amount, giving users more freedom in deciding which transactions they want to convert.

Maya also provides a Mini Payments calculator that enables users to simulate different payment scenarios before committing to a plan.

Zero Processing Fees Until September 30

To encourage cardholders to explore the feature, Maya is currently offering zero processing fees for Mini Payments plans created on or before September 30, 2026.

This limited-time offer reduces the overall cost of converting eligible purchases and provides an additional incentive for users looking to spread out larger expenses.

How To Convert Purchases Using Mini Payments

Applying for Mini Payments can be done entirely within the Maya app.

The process involves just a few simple steps:

• Open the Maya app and navigate to Credit Card transactions
• Select an eligible posted transaction for conversion
• Choose a preferred 3, 6, 9, or 12-month payment term
• Review the payment breakdown and tap "Continue" to confirm

Before finalizing the request, the app clearly displays monthly payments, total interest charges, and the complete payment schedule, helping users make informed financial decisions.

Designed For Better Budget Management

As consumers continue looking for smarter ways to balance spending with everyday financial responsibilities, flexible payment solutions have become increasingly important.

By allowing eligible purchases to be divided into predictable monthly payments, Mini Payments gives cardholders greater control over cash flow while helping them manage larger expenses more comfortably.

For Maya credit card holders, it represents another convenient tool that can make budgeting easier without requiring major changes to purchasing habits.

To learn more about Mini Payments, visit maya.ph or mayabank.ph. Approval and offers remain subject to credit evaluation. Maya Philippines, Inc. and Maya Bank, Inc. are regulated by the Bangko Sentral ng Pilipinas.