Ayon sa petsa ng pagkapaso, mag-renew tayo ngayon.

Ayon sa means according to, based on, or in accordance with.

In this sentence, it introduces the basis for the decision to renew. So the idea is:

• Ayon sa petsa ng pagkapaso = based on the expiration date

It is a fairly common expression, especially in more formal or informational language. In everyday speech, some people might also say batay sa or base sa.

Literally, petsa ng pagkapaso means date of expiration.

English usually says expiration date, but Filipino often uses this structure:

• petsa = date
• ng pagkapaso = of expiration

So the word order is a little different from English, but the meaning is the same.

Here, ng links the two nouns and works a lot like of in English.

So:

• petsa ng pagkapaso = date of expiration

This use of ng is very common in Filipino when one noun describes or specifies another.

Compare:

• bahay ng guro = house of the teacher / the teacher’s house
• kulay ng kotse = color of the car
• petsa ng pagkapaso = date of expiration

Pagkapaso means expiration or expiry.

It is especially common in formal, administrative, or document-related contexts, such as:

• IDs
• licenses
• subscriptions
• permits
• contracts
• medicines or food labels

A related everyday expression is:

• paso na = already expired

For example:

• Paso na ang lisensya ko. = My license has expired.

So even if a learner does not use pagkapaso all the time in casual speech, it is a very useful word to recognize.

This is very normal in Filipino. The language often combines a Filipino affix with an English root, especially in modern daily speech.

So:

• renew = English root
• mag- = Filipino verb affix
• mag-renew = to renew / to do a renewal

This kind of mixed form is common in Taglish, and it is especially natural in areas like:

• business
• technology
• paperwork
• subscriptions
• online services

So mag-renew sounds natural to many speakers.

The hyphen is commonly used when a Filipino affix is attached to a foreign word root.

So:

• mag-
  • renew = mag-renew

This helps show the structure clearly. In very casual writing, you may sometimes see spellings without the hyphen, but mag-renew is the clearer and more standard way to write it.

Mag- turns the root into an action verb.

With borrowed English roots, mag- often means to do X or to perform the action of X.

So:

• mag-text = to text
• mag-print = to print
• mag-renew = to renew

In this sentence, mag-renew tayo is in a non-past form that can sound like either:

• we will renew
• let’s renew

The exact feel depends on context, but with tayo, it often sounds like a suggestion or group decision.

Both can be possible, but they are not exactly the same.

• mag-renew = to renew / to go through the renewal process
• magpa-renew = to have something renewed by someone else or by an office/service

For example:

• Mag-renew tayo ng subscription.
  This sounds natural if you are simply renewing it yourself.

• Magpa-renew tayo ng lisensya.
  This is common when an agency or office is the one officially processing the renewal.

So the sentence mag-renew tayo ngayon is understandable and natural, but in some contexts, especially official documents like licenses, some speakers might prefer magpa-renew.

Tayo is the inclusive form of we. It includes both the speaker and the listener.

So:

• tayo = we, including you
• kami = we, not including you

That means mag-renew tayo ngayon includes the person being spoken to.

As for natin, that is not the subject form here. Natin is the non-subject/genitive form of inclusive we. For example:

• I-renew natin ito ngayon. = Let’s renew this now.

So in the original sentence, tayo is correct because it is the subject of mag-renew.

It can mean either, depending on tone and context, but very often it feels like Let’s renew now.

Why?

Because tayo includes the listener, and that often gives the sentence a cooperative or suggestive feel.

So this part can sound like:

• a suggestion
• a decision made together
• a proposal for immediate action

If the context is more matter-of-fact, it could also mean We will renew now/today.

Ngayon can mean either now or today, depending on context.

In this sentence, it could be understood as:

• now = immediately
• today = on this day, as opposed to waiting longer

Since the sentence is about timing based on an expiration date, both ideas fit. The broad sense is that the renewal should happen at the present time rather than later.

Filipino often leaves the object unstated when it is already understood from context.

So mag-renew tayo ngayon does not have to name the thing being renewed if both speakers already know what it is.

If you want to make it explicit, you could say:

• Mag-renew tayo ng subscription ngayon.
• Mag-renew tayo ng membership ngayon.
• I-renew natin ang permit ngayon.

Notice that the wording can change depending on what you want to emphasize, but omitting the object is completely normal when the context is clear.