Maya has launched Mini Payments, a new feature that lets eligible Maya Black Credit Card and Landers Cashback Everywhere Credit Card purchases be converted into monthly installments inside the Maya app. The service is designed to give cardholders more flexibility when handling bigger expenses without needing to wait for promos or merchant-specific offers.
What Mini Payments Offers
The feature applies to eligible posted purchases and allows users to split them into 3, 6, 9, or 12 monthly payments. Maya said the plan carries a fixed 1% monthly interest rate across all terms, while approval can happen within 24 hours. Cardholders can also track payment schedules and remaining balances directly in the app for easier monitoring.
Unlike conventional installment programs that depend on partner merchants or limited promo windows, Mini Payments can be used after a purchase has already been made. That means eligible transactions do not need to be planned around a sale period, giving users more freedom in how they manage spending.
How It Works
To use the feature, cardholders need to open the Maya app, go to Credit Card transactions, select an eligible posted transaction, choose a 3-, 6-, 9-, or 12-month plan, then review the breakdown before tapping Continue to confirm. The app shows monthly payments, total interest, and the full payment schedule before the user finalizes the conversion.
You can create your own sample simulations on possible Mini Payment plans using the Mini Payments calculator.
There are minimum total conversion amounts depending on the plan: PHP 3,000 for 3 months, PHP 6,000 for 6 months, PHP 9,000 for 9 months, and PHP 12,000 for 12 months. Eligible purchases may be combined as long as the total meets the minimum required for the selected plan. For a limited time, Mini Payments created until September 30, 2026 come with zero processing fees.
Budget Flexibility
The feature is meant to help cardholders better align spending with their budgets and cash flow by spreading larger purchases into manageable monthly payments. Mini Payments is a practical option for expenses such as travel, electronics, or home upgrades, while keeping the process fully visible inside the app.
For more information, visit maya.ph or mayabank.ph.
Frequently Asked Questions (FAQ)
Q: Who can use Mini Payments?
A: Mini Payments is available to Maya Black Credit Card and Landers Cashback Everywhere Credit Card holders.
Q: What payment terms are available?
A: Eligible purchases can be converted into 3, 6, 9, or 12 monthly payments.
Q: What is the interest rate?
A: Maya says Mini Payments has a fixed 1% monthly interest rate regardless of term.
Q: Is there a minimum amount required?
A: Yes. The minimum total converted amount depends on the chosen plan, starting at PHP 3,000 for 3 months and going up to PHP 12,000 for 12 months.
Q: Are there any fees?
A: Mini Payments created until September 30, 2026 come with zero processing fees.
Emman has been writing technical and feature articles since 2010. Prior to this, he became one of the instructors at Asia Pacific College in 2008, and eventually landed a job as Business Analyst and Technical Writer at Integrated Open Source Solutions for almost 3 years.
