Your first payment in Ahapay is calculated based on your available or approved limit in the app. If the approved limit is not enough to cover the full amount, you will need to cover the remaining balance for the first month. After the first payment is made, the remaining balance will be divided into monthly installments. This is part of the Buy Now Pay Later (BNPL) concept, where part of the payment is made upfront, and the rest is paid in installments. If you need any clarification regarding your payment breakdown.