Small and medium enterprises are the backbone of the Philippine economy, and PayMaya B2B was built with their realities in mind. With free registration, low transaction fees, and no need for expensive hardware, PayMaya B2B levels the playing field and gives SMEs access to the same enterprise-grade payment infrastructure used by the country's largest corporations.

Maya Negosyo App for Micro-Entrepreneurs

The Maya Negosyo app is designed specifically for small business owners who manage everything from their smartphone. Accept payments, send invoices, pay bills, and monitor daily sales from a single mobile application. The app requires no technical expertise and can be set up with one valid government-issued ID.

Access to Business Loans

PayMaya B2B merchants who have been active on the platform can apply for working capital loans of up to two million pesos through Maya Bank. Loan applications are assessed digitally using transaction history data, meaning that active merchants with consistent payment volumes have a strong basis for approval without extensive documentation requirements.

Business Deposit Account with 1.5% Interest

Maya Business Deposit, powered by Maya Bank, offers an interest rate of 1.5 percent per annum – significantly higher than traditional commercial bank savings accounts. SME owners can keep their working capital earning interest while it remains accessible for daily business operations.

Free PesoNet Transfers

Transfer funds to any bank in the Philippines free of charge using PesoNet. This eliminates inter-bank transfer fees that eat into small business margins and makes settling with suppliers who bank elsewhere effortless.

Grow Your Customer Base

PayMaya B2B merchants are discoverable by the millions of Maya app consumers who browse the platform's merchant discovery features. This built-in exposure channel helps SMEs attract new customers who are already comfortable paying digitally.