Nom vs Maya Business
Both platforms run F&B businesses in the Philippines. They take very different paths to get there. Here's the side-by-side — pricing, hardware, payment rails, contracts — sourced from public materials and our own product. Spot something stale? Tell us.
The 30-second take
Just the numbers — full feature matrix below.
| Nom | Maya Business | |
|---|---|---|
| Product category | QR menu + ordering + payment routing | Payment acquirer + business deposit + lending + BIR tax filing |
| Customer-facing menu | Yes — guests browse, customize, and order | No — payment QR only, no menu UI |
| Kitchen + order workflow | Built in — KDS, status updates, staff app | Not in scope |
| Payment rails available | GCash, Maya, QR Ph (proof + reference number, staff verify), cash, your own card terminal | Cards, Maya, QR Ph, GCash, WeChat Pay, ShopeePay, Apple Pay (acquiring channel) |
| Starting price | ₱0/mo (free tier, up to 500 customers a month) | Per-transaction MDR from 1.0% (Maya QR / QR Ph) and 3.50% (cards); Maya Terminal ₱949/month |
| Best for | Cafes, restaurants, food trucks that need ordering UX | Any merchant that needs to accept cards, e-wallets (Maya, GCash and more), or QR Ph |
Feature-by-feature comparison
Yes · Partial · No · Not disclosed
| Feature | Nom | Maya Business |
|---|---|---|
QR code MENU (customer browses + orders) | ||
QR code PAYMENT (customer pays a fixed amount) Maya QR Ph is for receiving payment. On Nom, the guest pays to your own Maya, GCash or QR Ph account after ordering and uploads the proof screenshot plus reference number; staff verify it. Nom has no Maya integration. | ||
Customer mobile app Maya app is for consumers paying; not for merchants taking orders. | ||
Maya as a payment method | ||
GCash as a payment method Maya Business accepts GCash at 2% MDR on Maya Terminal, Checkout and payment links, but not on its static Maya QR. | ||
QRPH compliance | ||
Cash payments Maya Business accepts digital payments only; it publishes no cash recording. | ||
Card processing Nom does no card processing; it records card payments taken on your own terminal. | ||
Real-time orders board | ||
Kitchen display system | ||
Menu management UI | ||
Modifications + customization | ||
Allergen tags + dietary profiles | ||
Multi-branch operations Maya settlement reports break down transactions by store. Nom multi-branch menu sync, per-branch pricing and staff transfer are on the Enterprise plan. | ||
Staff app The new Maya Business app (Android, iOS, web) focuses on payments, settlement and reporting. | ||
Customer loyalty across branches Cross-branch loyalty is on the Enterprise plan; single-store loyalty is Growth and above. | ||
Promo codes Growth plan and above. | ||
Customer tipping at checkout | ||
BIR-aware receipts Nom does not issue BIR receipts. Maya Quick Tax files BIR returns, not receipts. | ||
Lending / cash advance Maya Flexi Loan is in scope for them, not for us. | ||
POS terminals Maya Terminal is ₱949/month. Nom runs on guest phones and your staff app, and sells no hardware. | ||
Online checkout (web) |
Where Maya Business is genuinely better
They've been at this longer. There are real things they do better today. If any of these matter to you more than zero commission and zero hardware, Maya Business is the right call.
Direct payment acquiring
Maya Business IS the payment processor. Cards, Maya, GCash, QR Ph: they own the rails and settle to your bank (Maya Terminal settles the next banking day). Nom doesn't acquire payments; guests pay to your own GCash, Maya or QR Ph account and Nom records the order. If you want a direct relationship with the acquirer, you go to Maya.
Physical card terminals
Maya Terminal (with a built-in printer, or the Lite model) takes tap, dip and swipe cards for ₱949/month. If a meaningful share of your revenue is walk-in card customers (corporate cardholders, tourists), the physical terminal matters. Nom sells no hardware; its staff app prints to a Bluetooth thermal printer you buy yourself.
Maya Flexi Loan
Maya offers a revolving credit line of up to ₱2M to eligible Maya Business merchants with a Maya Business Deposit account, based on your sales through Maya. If you need working capital and you're already processing through Maya, this is a real product they can offer. Nom doesn't lend.
Settlement consolidation
If every peso of your revenue lands in one Maya merchant account (cards, Maya, GCash, WeChat Pay, ShopeePay, QR Ph, online checkout), your reconciliation is one statement. With Nom, money lands in whatever accounts you already use (GCash to your GCash, Maya to your Maya, card terminal to your acquirer).
Where Nom wins by design
These aren't roadmap items — they're structural choices that competitors can't reverse without rewriting their stack.
Maya is payment; Nom is ordering
The honest answer: these are different products. Maya Business is a payment acquirer with a QR Ph code for receiving payment. Nom is a QR menu + ordering UI. After the guest chooses what to order, they pay to your own Maya, GCash or QR Ph account and upload the proof screenshot plus reference number, and your staff verifies it in one tap. You can use both.
A real menu UI for your customers
Maya's QR doesn't show your menu. It shows a payment screen. Your customer still needs to know what to order — usually by asking your staff, who then enters it on a POS, then prints a receipt, then hands the customer the Maya QR. Nom replaces every step before the payment QR.
Kitchen + staff workflow
Once a customer pays Maya, your kitchen doesn't know what to make. Nom routes every line item to the kitchen display and lets staff confirm, prepare, mark ready, and serve, all live. The payment sits on the same order: staff verify the proof in one tap, or on Pro and above GCash can be verified automatically via HitPay.
Every payment tied to the order
Maya Business now accepts GCash too (2% MDR on Terminal, Checkout and payment links, not on its static QR). The difference is where the payment lives: on Nom, GCash, Maya, QR Ph, cash and your own card terminal all attach to the order the guest just placed, and Nom takes no commission. On Pro and above, GCash can be verified automatically via HitPay.
Allergen safety, modifications, multi-branch
Maya Business doesn't model your menu, so it doesn't know about modifications, dietary tags, multi-branch pricing, or staff workflows. Nom is built around those. We use Maya where Maya is the right tool — taking the payment at the end.
Already on Maya Business? Here's how to switch.
Most cafés are live on Nom in under an hour. No data left behind.
- 1
Keep Maya Business — you don't need to leave
If you're already accepting payments through Maya Business, keep doing it. Nom accepts Maya as one of several payment methods: guests pay to your Maya QR and staff verify the proof. Payments taken on a Maya Terminal can be recorded in Nom as card terminal payments. Your merchant relationship, settlement, and reporting stay exactly the same.
- 2
Sign up for Nom (free) for the ordering layer
Register your business (new businesses get a 14-day Pro trial), add your first menu item, then enable Maya, GCash, QR Ph and cash as accepted payment methods. Nom is the customer-facing menu and the kitchen workflow on top of your existing payment setup.
- 3
Print a Nom QR for each table
Replace any Maya QR you may have on tables with a Nom QR. The customer scans → browses your menu → checks out → pays via Maya (or GCash, or cash). Maya still receives the payment. Nom receives the order detail.
- 4
Optional: GCash auto-verify on Pro
On a paid Pro or Enterprise plan you can connect HitPay in your Nom dashboard so GCash payments verify automatically, with no proof step (not available during the free trial). Maya and QR Ph payments keep the proof-plus-reference-number check. Customers choose at checkout.
Need help with the migration? Email hello@nom404.com and we'll handle the menu import for free.
Nom vs Maya Business: common questions
Nom: ₱0/mo (free tier, up to 500 customers a month). Maya Business: Per-transaction MDR from 1.0% (Maya QR / QR Ph) and 3.50% (cards); Maya Terminal ₱949/month.
Nom: Yes — guests browse, customize, and order. Maya Business: No — payment QR only, no menu UI.
Nom: GCash, Maya, QR Ph (proof + reference number, staff verify), cash, your own card terminal. Maya Business: Cards, Maya, QR Ph, GCash, WeChat Pay, ShopeePay, Apple Pay (acquiring channel).
Stop paying for hardware you don't need.
Nom is free to start, runs on the phones your customers already own, and never charges commission on their payments. Try it side-by-side with Maya Business and see for yourself.
Free forever for up to 500 customers a month · No credit card required
Honest comparison · Last verified 2026-10-27 · Spotted something stale or unfair? compare@nom404.com
Maya Business is offered by Maya Philippines, Inc.; Maya Business Deposit and Maya Flexi Loan are Maya Bank, Inc. products. Used here for honest product comparison only. Product positioning, feature claims and starting rates sourced from maya.ph/business and our own product as of 2026-10-27; check maya.ph/business for the latest. Maya publishes starting rates; high-volume merchants can get custom pricing.
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