Some purchases are worth saying yes to: a long-awaited trip, a new laptop, a home upgrade, or even a month packed with celebrations. The good news? Paying for them doesn't always have to happen all at once.

Maya is making it easier than ever to manage bigger purchases with the launch of Mini Payments. Available to Maya Black Credit Card and Landers Cashback Everywhere Credit Card holders, the feature allows eligible posted purchases to be converted into monthly mini payments directly within the Maya app.

Unlike traditional installment offers that are often tied to specific merchants or promo periods, Mini Payments puts the decision in your hands. Eligible purchases can be converted after they've already been made—no waiting for a sale, no hunting for partner merchants, and no need to plan purchases around promotional periods.

Cardholders can split eligible posted purchases into 3, 6, 9, or 12 monthly payments, all with a fixed 1% monthly interest rate regardless of term. Approval can happen within 24 hours, and everything, from payment schedules to remaining balances, can be viewed and tracked directly in the Maya app.

To get started, your total converted amount simply needs to meet the minimum per plan: ₱3,000 for 3 months, ₱6,000 for 6 months, ₱9,000 for 9 months, and ₱12,000 for 12 months. There’s no minimum per individual transaction. Eligible purchases can be combined, as long as the total amount meets the minimum required for your chosen plan, giving you more control over how you choose to convert your purchases. Create your own sample simulations on possible Mini Payment plans by using the Mini Payments calculator.

And for a limited time, Mini Payments created until September 30, 2026 come with zero processing fees, making it even easier to try the feature for yourself.

Open the Maya app and go to your Credit Card transactions

Select any eligible posted transaction you'd like to convert

Choose your preferred 3, 6, 9, or 12-month payment plan

Review the payment breakdown and tap "Continue" to confirm

The app clearly displays your monthly payments, total interest, and payment schedule before confirmation, giving you full visibility before making a decision.

By spreading out eligible purchases into manageable monthly payments, Mini Payments helps cardholders better align spending with their budgets and cash flow, giving them more flexibility when it matters most.