Maya Launches Mini Payments to Split Credit Card Purchases into Monthly Payments

New feature lets eligible Maya credit cardholders convert posted purchases into 3, 6, 9, or 12-month payment plans.

Maya is giving cardholders more flexibility in managing bigger purchases with the launch of Maya Mini Payments, a new feature that allows eligible credit card purchases to be converted into smaller monthly payments through the Maya app.

Available to Maya Black Credit Card and Landers Cashback Everywhere Credit Card holders, the feature is designed for purchases such as travel, gadgets, home upgrades, celebrations, and other planned or unexpected expenses.

Unlike traditional installment offers that are often tied to partner merchants or limited promo periods, Maya Mini Payments allows eligible posted purchases to be converted after the transaction has already been made.

Cardholders can split eligible purchases into 3, 6, 9, or 12 monthly payments with a fixed 1% monthly interest rate across all terms.

Approval can happen within 24 hours, while payment schedules, remaining balances, and other details can be viewed directly in the Maya app.

To qualify, the total converted amount must meet the minimum required for the selected plan. The minimum is ₱3,000 for 3 months, ₱6,000 for 6 months, ₱9,000 for 9 months, and ₱12,000 for 12 months.

Maya also allows eligible purchases to be combined as long as the total amount meets the minimum requirement for the chosen plan. This gives users more control over how they manage their card spending.

For a limited time, Mini Payments created until September 30, 2026 will have zero processing fees.

Using the feature is simple. Cardholders can open the Maya app, go to their credit card transactions, select an eligible posted transaction, choose their preferred payment plan, review the breakdown, and confirm.

Before completing the conversion, the app displays the monthly payment amount, total interest, and payment schedule for transparency.

Through Maya Mini Payments, the digital bank is giving users another way to align spending with their budget and cash flow while maintaining convenience inside one app.

Maya Mini Payments gives cardholders more control over bigger purchases by turning eligible transactions into manageable monthly payments.