One of the leading digital financial services platform in the Philippines, Maya has introduced a new feature allowing credit card holders to convert eligible purchases into monthly installment plans directly within its mobile app, even after transactions have been completed.
The feature, called Mini Payments, enables users to split posted transactions into 3-, 6-, 9-, or 12-month payment terms without relying on merchant-specific installment offers.
Users may also combine multiple eligible purchases into a single repayment plan, providing greater flexibility in managing credit card expenses under one schedule.
Unlike traditional installment arrangements tied to participating merchants, the feature allows users to restructure payments after checkout, giving them more control over repayment timing and budgeting decisions.
All processes—from selecting transactions and reviewing schedules to tracking repayments—are handled within the app.
According to Maya Group President and Maya Bank Co-Founder Shailesh Baidwan, the feature is designed to give users greater flexibility and control through a simplified digital interface.
Before confirming any plan, users can review monthly amortization, repayment timelines, and outstanding balances to support informed financial decisions.
The launch is part of Maya’s broader expansion of its digital credit card services, which include onboarding, rewards, credit-building tools, and account management features.
Its credit card offerings include cashback and travel-focused products integrated within its financial ecosystem.