666JILI Maya — Limits, Fees & Settlement
Maya is a Philippine payment rail — regulation: Registered as an Operator of Payment System and as an Electronic Money Issuer with Bangko Sentral ng Pilipinas.
- Operator
- Maya Philippines, Inc., which began as Smart Money and later became PayMaya Philippines
- Regulator
- Registered as an Operator of Payment System and as an Electronic Money Issuer with Bangko Sentral ng Pilipinas
- Wallet limit
- The monthly ceiling is PHP 100,000 for the Upgraded tier, PHP 500,000 for Super Users and PHP 5,000,000 for Ultimate Users, up from PHP 50,000 at Basic
- Per-transaction cap
- For both at the Upgraded tier: InstaPay transfers out are limited to PHP 50,000 per day, and a send to another Maya user to PHP 20,000 per transaction
- Settlement
- pESONet settles the same banking day, whereas wallet-to-wallet and InstaPay transfers settle in real time
- Figures as of
- 2026-09
This page covers Maya the payment rail. The final section gives the reason that cashier details tied to any particular operator are left out on purpose.
Maya at a glance
| Field | Value |
|---|---|
| Operated by | Maya Philippines, Inc., which began as Smart Money and later became PayMaya Philippines |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | The monthly ceiling is PHP 100,000 for the Upgraded tier, PHP 500,000 for Super Users and PHP 5,000,000 for Ultimate Users, up from PHP 50,000 at Basic |
| Per-transaction cap | For both at the Upgraded tier: InstaPay transfers out are limited to PHP 50,000 per day, and a send to another Maya user to PHP 20,000 per transaction |
| Settlement | pESONet settles the same banking day, whereas wallet-to-wallet and InstaPay transfers settle in real time |
| Published fees | Per Maya’s cash-in page, selected partners offer free cash-in up to PHP 8,000 per month combined, and 2 per cent applies to the excess. Maya’s own site is the source of that figure, yet it was not re-fetched during verification, so it counts for less than the GCash schedule above, which was read directly. |
Maya states these as MONTHLY wallet limits. The ceiling GCash states is the balance you hold at any one time. Presenting these two numbers side by side, however often it happens, tells you nothing, as each measures something different.
Every number on this page is a snapshot from 2026-09. Limits and fees from payment providers change without warning, so the provider’s own page is the only source that stays current.
Verification tiers
- Basic — Monthly wallet limit of PHP 50,000, plus a daily purchase limit of PHP 50,000. This tier allows neither bank transfers over InstaPay nor sending to other Maya users
- Upgraded — You must provide a video selfie, a valid ID and a verified address. InstaPay out at PHP 50,000 per day and PHP 100,000 per month, purchases up to PHP 100,000 per day, a PHP 100,000 monthly wallet limit, and sending to a Maya user capped at PHP 20,000 per transaction and PHP 100,000 per day
- Super Users — Wallet limit of PHP 500,000 a month, and daily purchase and send limits of PHP 500,000. The qualifying criteria for this tier are something Maya has not made public
- Ultimate Users — Daily purchase and send limits of PHP 5,000,000 each, alongside a PHP 5,000,000 monthly wallet limit. The qualifying criteria for this tier are something Maya has not made public
The published ceiling of The monthly ceiling is PHP 100,000 for the Upgraded tier, PHP 500,000 for Super Users and PHP 5,000,000 for Ultimate Users, up from PHP 50,000 at Basic applies to the tier stated above, not to every account.
What Maya says about gambling transactions
Only general prohibitions on illegal activity and anti-money-laundering breaches turn up when Maya’s e-wallet terms and conditions are read directly, and there is no gambling clause. Suspension or cancellation of the card is the stated consequence listed against ‘illegal gambling or unauthorized game of chance’, a restricted transaction in its CREDIT CARD terms, which cover a separate product. Under BSP Memorandum M-2025-029 in August 2025, Maya likewise had to remove its in-app gambling and gaming links. A wallet is not bound by a restriction in a credit card agreement, which is why the two products must be kept apart.
How fast money actually moves
Maya settles pESONet settles the same banking day, whereas wallet-to-wallet and InstaPay transfers settle in real time. This is about the rail and not the casino, because an operator may hold a withdrawal for its own review before it gets to Maya, and that review is typically the source of the waiting time.
A per-transaction cap of For both at the Upgraded tier: InstaPay transfers out are limited to PHP 50,000 per day, and a send to another Maya user to PHP 20,000 per transaction applies, which is why a larger transfer sometimes has to be split.
Checking a cashier for Maya
- Log in to the casino where you have an account and open the cashier or wallet screen.
- Scan the method list for Maya spelled out; if the screen does not show it, your account cannot use it.
- Match the profile name at the casino to the name held by Maya, character by character.
- Read the lowest amount, the highest amount and any Maya fee shown on screen before you confirm.
The cashier screen is the final word on whether Maya works at a given casino, so open it before you plan around Maya.
Other payment rails explained here
- GrabPaySince 2018 licensed by Bangko Sentral ng Pilipinas as an Electronic Money Issuer
- InstaPayBangko Sentral ng Pilipinas, which regulates it under the National Retail Payment System framework
- PESONetBangko Sentral ng Pilipinas, acting under the framework of the National Retail Payment System
- Bank TransferBangko Sentral ng Pilipinas, with Circular No. 980 as the base of its National Retail Payment System framework
- Debit and Credit CardsBangko Sentral ng Pilipinas, whose authority comes from Republic Act No. 10870, Circular No. 1003 and the Manual of Regulations for Banks
FAQ
Does Maya charge fees?
Published fees: Per Maya's cash-in page, selected partners offer free cash-in up to PHP 8,000 per month combined, and 2 per cent applies to the excess. Maya's own site is the source of that figure, yet it was not re-fetched during verification, so it counts for less than the GCash schedule above, which was read directly.. Providers revise these without notice.
What is the Maya wallet limit?
The monthly ceiling is PHP 100,000 for the Upgraded tier, PHP 500,000 for Super Users and PHP 5,000,000 for Ultimate Users, up from PHP 50,000 at Basic, at the tier the provider states. Lower tiers carry lower ceilings.
Which screen shows whether a casino takes Maya?
The cashier or wallet page inside your logged-in account. Treat Maya as available only when that page names it, then match the two account names and read the limits before you send anything.
How long does Maya take?
The rail settles pESONet settles the same banking day, whereas wallet-to-wallet and InstaPay transfers settle in real time. Separately from that, the operator runs its own review ahead of releasing a withdrawal, and that step usually takes longer.