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Maya was originally launched in 2015 under the name PayMaya, focusing primarily on digital payments and mobile wallet services. The platform quickly established itself as one of the country’s largest cashless payment providers.

In 2022, PayMaya officially rebranded to Maya to reflect its expansion beyond payments into a full digital financial ecosystem. This rebranding coincided with the launch and integration of Maya Bank, allowing users to access banking services directly within the same application.1

The transition transformed Maya from an e-wallet into a comprehensive financial platform offering digital banking, savings accounts, lending, investments, digital payments, and merchant solutions. The company’s vision is to become the primary digital financial account for Filipinos by combining banking and payments into one unified platform.1

Maya Wallet

The Maya Wallet enables users to send and receive money, scan QR codes for payments, pay bills, buy mobile load, shop online, transfer funds to banks, and withdraw cash using a Maya card.

Maya Bank

Maya Bank is a fully digital bank integrated into the Maya app. Services include savings accounts, high-interest savings, time deposits, and personal finance management. Unlike traditional banks, accounts can be opened entirely through the mobile application.2

Maya Credit

Maya Credit provides short-term revolving credit lines to eligible users, allowing them to borrow funds instantly, pay later, and build credit history.

Maya Personal Loan

Eligible customers may apply for unsecured personal loans through the app with digital approval and repayment.

Maya Cards

Maya offers both physical Visa cards and virtual cards. These cards can be used for online shopping, international transactions, ATM withdrawals, and contactless payments.

Investments

Within the Maya ecosystem, users can access investment products such as digital assets (availability subject to regulations) and other investment options integrated into the platform.

Maya Business

Maya Business provides payment solutions for enterprises, including QR payments, point-of-sale systems, payment gateways, business banking, merchant acquiring, and cashless payment infrastructure.1

Maya operates an integrated fintech ecosystem connecting consumers, businesses, merchants, government agencies, and financial institutions. Its revenue comes from multiple sources, including payment processing, banking services, lending, merchant solutions, and financial products. The platform aims to reduce dependence on cash while expanding financial inclusion across the Philippines.1

Maya is built as a cloud-based financial platform supporting real-time payments, QR code transactions, digital identity verification, fraud detection, mobile banking, and API-based payment integrations. Its integrated architecture allows users to access multiple financial services without switching between separate applications.2

Maya serves a broad range of users, including individual consumers, small businesses, large enterprises, freelancers, online sellers, government agencies, and retail merchants. Its products are designed for users seeking convenient digital alternatives to traditional banking and cash transactions.1

Maya positions itself as an “all-in-one money app.” The brand emphasizes simplicity, accessibility, financial empowerment, innovation, and digital-first banking. Its messaging encourages users to manage spending, saving, borrowing, and investing through a single platform.1

Key features of the Maya platform include:

• Digital wallet
• Instant bank transfers
• QR payments
• Online shopping payments
• High-interest savings
• Personal loans
• Credit lines
• Physical and virtual cards
• Investment products
• Merchant payment solutions
• Bill payments
• Mobile load purchases
• International payment support

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Maya’s financial services are provided through Maya Philippines, Inc. (payments) and Maya Bank, Inc. (digital banking). These entities are regulated by the Bangko Sentral ng Pilipinas (BSP), ensuring compliance with Philippine banking and payment regulations.12

Maya aims to make financial services more inclusive by providing accessible, technology-driven banking and payment solutions that allow Filipinos to save, spend, borrow, invest, and grow their money through a unified digital platform.1

1. About Us | Maya | Maya.ph
2. Annual Report 2024 – Maya Digital Bank