JiLi333 Maya — Casino Caps, Charges & Timing
Maya is a Philippine payment rail — regulation: Bangko Sentral ng Pilipinas, acting for the Electronic Money Issuer role and the registered Operator of Payment System role.
Key facts and contents
- Operator
- Operating entity: Maya Philippines, Inc., previously called PayMaya Philippines and, before that, Smart Money
- Regulator
- Bangko Sentral ng Pilipinas, acting for the Electronic Money Issuer role and the registered Operator of Payment System role
- Wallet limit
- At Basic the figure is PHP 50,000
- Per-transaction cap
- Another Maya user can be sent up to PHP 20,000 in a single transaction at the Upgraded tier, while InstaPay transfers out top out at PHP 50,000 per day
- Settlement
- wallet-to-wallet and InstaPay transfers settle in real time, whereas PESONet settles later, within the same banking day
- Figures as of
- 2026-09
This page covers Maya the payment rail. You will not find anything specific to a particular operator’s cashier here, and the last section says why.
Maya at a glance
| Field | Value |
|---|---|
| Operated by | Operating entity: Maya Philippines, Inc., previously called PayMaya Philippines and, before that, Smart Money |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | At Basic the figure is PHP 50,000; Upgraded allows PHP 100,000 per month, Super Users PHP 500,000 and Ultimate Users PHP 5,000,000 |
| Per-transaction cap | Another Maya user can be sent up to PHP 20,000 in a single transaction at the Upgraded tier, while InstaPay transfers out top out at PHP 50,000 per day |
| Settlement | wallet-to-wallet and InstaPay transfers settle in real time, whereas PESONet settles later, within the same banking day |
| Published fees | The page for cash-in on Maya says that selected partners charge nothing up to PHP 8,000 a month in total, and 2 per cent on the excess. This number is taken from Maya’s own site, yet verification did not fetch it a second time, which puts it below the directly read GCash schedule above. |
Maya states these as MONTHLY wallet limits. GCash words the limit in terms of how much balance is held at once. These figures are not measuring the same thing, which makes a direct comparison empty, even when it is shown as if it were valid.
The numbers are tied to a single point in time, 2026-09, when they were noted down. A payment provider can revise its limits and fees at any time without notice; its own page is the sole current source.
Verification tiers
- Basic — Daily purchases top out at PHP 50,000, while the wallet’s monthly limit is also PHP 50,000. Sending to other Maya users and moving money to banks via InstaPay are both closed at this tier
- Upgraded — To qualify, supply a video selfie along with a valid ID and verified address. Up to PHP 100,000 a month can run through the wallet and up to PHP 100,000 a day in purchases; sending to a Maya user is held to PHP 20,000 per transaction and PHP 100,000 per day; InstaPay out is held to PHP 50,000 daily and PHP 100,000 monthly
- Super Users — Each month the wallet limit is PHP 500,000, and each day purchases and sends are both limited to PHP 500,000. Maya publishes no account qualification rule for this tier
- Ultimate Users — PHP 5,000,000 is the ceiling on the wallet per month and on both purchases and sends per day. Maya publishes no account qualification rule for this tier
The published ceiling of At Basic the figure is PHP 50,000; Upgraded allows PHP 100,000 per month, Super Users PHP 500,000 and Ultimate Users PHP 5,000,000 applies to the tier stated above, not to every account.
What Maya says about gambling transactions
Maya’s e-wallet terms and conditions contain nothing on gambling, according to a direct read, apart from general prohibitions covering illegal activity and anti-money-laundering breaches. Terms for the CREDIT CARD, which is a product in its own right, do include ‘illegal gambling or unauthorized game of chance’ among restricted transactions; the card can be suspended or cancelled as the stated consequence. Gambling and gaming links inside Maya’s app were removed too, because the wallet was subject to BSP Memorandum M-2025-029 in August 2025. It matters which product is meant: terms in a credit card agreement place no restriction on the wallet.
How fast money actually moves
Maya settles wallet-to-wallet and InstaPay transfers settle in real time, whereas PESONet settles later, within the same banking day. Speed on the rail is one thing and the casino is another: a withdrawal can sit with the operator for its own review before it reaches Maya, which is usually where the wait originates.
A per-transaction cap of Another Maya user can be sent up to PHP 20,000 in a single transaction at the Upgraded tier, while InstaPay transfers out top out at PHP 50,000 per day applies, which is why a larger transfer sometimes has to be split.
Checking Maya on a casino’s own cashier
- Sign in to the lobby where your account sits and go to its deposit or cashier screen.
- Look for Maya in the methods shown to your account; only a listing there means you can use it.
- Confirm that the name on your Maya account matches the name on the casino account before you send money.
- Read the lowest and highest amount and any Maya charge printed on that screen, then confirm.
Make your first Maya payment only after that screen has shown you the method and its limits.
FAQ
Does Maya charge fees?
Published fees: The page for cash-in on Maya says that selected partners charge nothing up to PHP 8,000 a month in total, and 2 per cent on the excess. This number is taken from Maya's own site, yet verification did not fetch it a second time, which puts it below the directly read GCash schedule above.. Providers revise these without notice.
How long does Maya take?
The rail settles wallet-to-wallet and InstaPay transfers settle in real time, whereas PESONet settles later, within the same banking day. Operators run their own review ahead of releasing a withdrawal; that is a different step and usually the longer one.
What is the Maya wallet limit?
At Basic the figure is PHP 50,000; Upgraded allows PHP 100,000 per month, Super Users PHP 500,000 and Ultimate Users PHP 5,000,000, at the tier the provider states. Lower tiers carry lower ceilings.
Who regulates Maya?
Maya — regulation: Bangko Sentral ng Pilipinas, acting for the Electronic Money Issuer role and the registered Operator of Payment System role. That covers the rail, not the casino.