JiLi333 Maya — Casino Rail Costs and Clearing Speed
Maya is a Philippine payment rail — regulation: Bangko Sentral ng Pilipinas, which treats the entity as an Electronic Money Issuer and a registered Operator of Payment System.
| Fact | Value |
|---|---|
| Operator | A business now named Maya Philippines, Inc., with PayMaya Philippines and Smart Money as earlier names |
| Regulator | Bangko Sentral ng Pilipinas, which treats the entity as an Electronic Money Issuer and a registered Operator of Payment System |
| Wallet limit | A Basic account is limited to PHP 50,000, and each step up raises that: PHP 100,000 per month at Upgraded, PHP 500,000 for Super Users, PHP 5,000,000 for Ultimate Users |
| Per-transaction cap | The Upgraded tier allows PHP 50,000 daily in InstaPay transfers out and PHP 20,000 per transaction to another Maya user |
| Settlement | immediately for transfers between wallets or over InstaPay, and the same banking day for PESONet |
| Figures as of | 2026-09 |
What this page describes is the rail Maya runs in the Philippines, with its limits, settlement behaviour and published fees, as opposed to a casino’s cashier.
Maya at a glance
| Field | Value |
|---|---|
| Operated by | A business now named Maya Philippines, Inc., with PayMaya Philippines and Smart Money as earlier names |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | A Basic account is limited to PHP 50,000, and each step up raises that: PHP 100,000 per month at Upgraded, PHP 500,000 for Super Users, PHP 5,000,000 for Ultimate Users |
| Per-transaction cap | The Upgraded tier allows PHP 50,000 daily in InstaPay transfers out and PHP 20,000 per transaction to another Maya user |
| Settlement | immediately for transfers between wallets or over InstaPay, and the same banking day for PESONet |
| Published fees | A combined PHP 8,000 per month passes free through selected partners, Maya’s cash-in page states, with 2 per cent on whatever exceeds it. Maya’s site is where the figure originates; it was not re-fetched while verifying, and so it ranks below the directly read GCash schedule above. |
Maya states these as MONTHLY wallet limits. The ceiling from GCash applies to the balance held at any given moment. The pair measure different things, and a side-by-side reading of them means nothing, however it is dressed up.
Think of these values as a 2026-09 record, fixed at the time of writing. Revisions to limits and fees come from payment providers without notice, and the provider’s own page is the only current record of them.
Verification tiers
- Basic — Both the monthly wallet limit and the daily purchase limit stand at PHP 50,000. InstaPay bank transfers are unavailable at this tier, and so is sending to other Maya users
- Upgraded — Needed here are a valid ID, a verified address and a video selfie. The wallet allows PHP 100,000 a month; purchases may total up to PHP 100,000 per day; each send to a Maya user is limited to PHP 20,000 with PHP 100,000 per day overall; InstaPay out allows PHP 50,000 per day and PHP 100,000 per month
- Super Users — On top of a PHP 500,000 monthly wallet limit, the daily limits for buying and sending also come to PHP 500,000. Maya has put out no details of how an account gets into this tier
- Ultimate Users — There is a PHP 5,000,000 monthly limit on the wallet, matched by PHP 5,000,000 daily limits for purchases and for sends. Maya has put out no details of how an account gets into this tier
The published ceiling of A Basic account is limited to PHP 50,000, and each step up raises that: PHP 100,000 per month at Upgraded, PHP 500,000 for Super Users, PHP 5,000,000 for Ultimate Users applies to the tier stated above, not to every account.
How fast money actually moves
Maya settles immediately for transfers between wallets or over InstaPay, and the same banking day for PESONet. What is described is the rail, not the casino, as the operator can hold a withdrawal for its own review before Maya gets it, and waiting time usually comes from that review.
A per-transaction cap of The Upgraded tier allows PHP 50,000 daily in InstaPay transfers out and PHP 20,000 per transaction to another Maya user applies, which is why a larger transfer sometimes has to be split.
What Maya says about gambling transactions
Where gambling is concerned, Maya’s e-wallet terms and conditions are silent; read directly, they offer only broad prohibitions on illegal activity and anti-money-laundering breaches. Restricting ‘illegal gambling or unauthorized game of chance’ as a transaction is something the CREDIT CARD terms do, and they are the terms of a separate product; the card’s suspension or cancellation is the stated consequence. Maya’s in-app gambling and gaming links disappeared after BSP Memorandum M-2025-029, which also applied to it, in August 2025. Do not read a credit card agreement’s restriction as applying to the wallet; the two products are distinct and that distinction counts.
Before you choose Maya in any cashier
- Sign in, then open the deposit screen of the lobby you play at.
- Look for Maya by name in the method list; no listing means no Maya for that account.
- Compare the name on your casino profile with the name on your Maya account.
- Write down the floor, the ceiling and any fee next to Maya before you send money.
Plan around Maya only after your own cashier screen shows it.
FAQ
How long does Maya take?
The rail settles immediately for transfers between wallets or over InstaPay, and the same banking day for PESONet. Releasing a withdrawal comes after the operator's own review, a separate stage that usually takes longer.
Does Maya charge fees?
Published fees: A combined PHP 8,000 per month passes free through selected partners, Maya's cash-in page states, with 2 per cent on whatever exceeds it. Maya's site is where the figure originates; it was not re-fetched while verifying, and so it ranks below the directly read GCash schedule above.. Providers revise these without notice.
How do I know if a lobby offers Maya?
Sign in and open the deposit screen. Maya is available to you only if that list names it; then compare the account names and read the limits shown beside it.
What is the Maya wallet limit?
A Basic account is limited to PHP 50,000, and each step up raises that: PHP 100,000 per month at Upgraded, PHP 500,000 for Super Users, PHP 5,000,000 for Ultimate Users, at the tier the provider states. Lower tiers carry lower ceilings.
Other payment rails explained here
| Guide | What it covers |
|---|---|
| InstaPay | Bangko Sentral ng Pilipinas, which supervises this real-time rail under its National Retail Payment System framework |
| PESONet | Bangko Sentral ng Pilipinas, the central bank that oversees this batch rail through its National Retail Payment System framework |
| Debit and Credit Cards | Republic Act No. 10870, Circular No. 1003 and the Manual of Regulations for Banks, with Bangko Sentral ng Pilipinas |