JILIKO Maya — Limits, Fees & Settlement
Maya is a Philippine payment rail — regulation: Bangko Sentral ng Pilipinas, functioning as an Electronic Money Issuer and a registered Operator of Payment System.
Key facts and contents
- Operator
- Maya Philippines, Inc. carries the history of PayMaya Philippines before it, and Smart Money before that
- Regulator
- Bangko Sentral ng Pilipinas, functioning as an Electronic Money Issuer and a registered Operator of Payment System
- Wallet limit
- Starting at PHP 50,000 for Basic, monthly caps rise to PHP 100,000 for Upgraded, PHP 500,000 for Super Users, and PHP 5,000,000 for Ultimate Users
- Per-transaction cap
- At the Upgraded tier, PHP 20,000 per transaction to another Maya user and PHP 50,000 per day for outgoing InstaPay transfers
- Settlement
- instantly for wallet-to-wallet and InstaPay transfers, with PESONet settling by the same banking day
- Figures as of
- 2026-09
Figures attached to Maya in Philippine casino discussion, where it comes up constantly, usually trace back to the casino rather than to Maya itself. This page’s numbers are pulled directly from the provider’s own published material.
Maya at a glance
| Field | Value |
|---|---|
| Operated by | Maya Philippines, Inc. carries the history of PayMaya Philippines before it, and Smart Money before that |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | Starting at PHP 50,000 for Basic, monthly caps rise to PHP 100,000 for Upgraded, PHP 500,000 for Super Users, and PHP 5,000,000 for Ultimate Users |
| Per-transaction cap | At the Upgraded tier, PHP 20,000 per transaction to another Maya user and PHP 50,000 per day for outgoing InstaPay transfers |
| Settlement | instantly for wallet-to-wallet and InstaPay transfers, with PESONet settling by the same banking day |
| Published fees | According to Maya’s cash-in page, cash-in through selected partners costs nothing up to a combined PHP 8,000 monthly, with 2 per cent charged past that. Verification did not involve re-fetching this figure from Maya’s own site, so it weighs less than the GCash schedule above, which was read directly. |
Maya states these as MONTHLY wallet limits. GCash describes its ceiling in terms of a balance held at any given moment. Even though people often compare them side by side, the two numbers measure different things and that comparison carries no real meaning.
Treat every number on this page as fixed to 2026-09, not something that updates after that. Since limits and fees can shift at a payment provider’s discretion with no warning, its own page remains the sole place to find current numbers.
Verification tiers
- Basic — The wallet is limited to PHP 50,000 monthly, and purchases are capped at PHP 50,000 daily. This tier rules out both InstaPay bank transfers and sending to other Maya users
- Upgraded — A video selfie, valid ID and a verified address must all be supplied. PHP 100,000 monthly wallet limit, purchases capped at PHP 100,000 per day, PHP 20,000 per transaction and PHP 100,000 per day sending to a Maya user, and PHP 50,000 per day up to PHP 100,000 per month on InstaPay transfers out
- Super Users — A PHP 500,000 monthly wallet limit comes alongside PHP 500,000 daily limits for both purchases and sends. Maya keeps quiet on what qualifies an account for this tier
- Ultimate Users — PHP 5,000,000 applies monthly to the wallet, and the same figure caps daily purchases and sends. Maya keeps quiet on what qualifies an account for this tier
The published ceiling of Starting at PHP 50,000 for Basic, monthly caps rise to PHP 100,000 for Upgraded, PHP 500,000 for Super Users, and PHP 5,000,000 for Ultimate Users applies to the tier stated above, not to every account.
How fast money actually moves
Maya settles instantly for wallet-to-wallet and InstaPay transfers, with PESONet settling by the same banking day. The rail, not the casino, is what’s being described here: an operator can hold a withdrawal back for its own review ahead of Maya, and most waiting time traces to that review.
A per-transaction cap of At the Upgraded tier, PHP 20,000 per transaction to another Maya user and PHP 50,000 per day for outgoing InstaPay transfers applies, which is why a larger transfer sometimes has to be split.
What Maya says about gambling transactions
A direct reading of Maya’s e-wallet terms and conditions found no gambling clause, only general bans on illegal activity and anti-money-laundering breaches. A restricted transaction under its separate CREDIT CARD terms is ‘illegal gambling or unauthorized game of chance’, which can bring suspension or cancellation of the card. Maya, too, fell under BSP Memorandum M-2025-029 in August 2025, and removed in-app gambling and gaming links as a result. It matters that these two products are distinct: a restriction found in a credit card agreement doesn’t apply to the wallet.
Paying with Maya at JILIKO
- Sign in at JILIKO and open the cashier.
- Your account’s cashier will list payment methods — choose Maya from that list.
- Make sure the name on your JILIKO account matches the name on your Maya account.
- The cashier screen’s minimum, maximum and fee are worth a look before you lock the amount in.
Before trying a payment method for the first time, pull up the cashier screen — that’s where your account’s current limits actually show.
FAQ
How do I pay with Maya at JILIKO?
The cashier, reached after signing in, lists Maya among the account's available methods for selection. Before you confirm, the account names should match and the cashier's displayed limits are worth a check.
Does Maya charge fees?
Published fees: According to Maya's cash-in page, cash-in through selected partners costs nothing up to a combined PHP 8,000 monthly, with 2 per cent charged past that. Verification did not involve re-fetching this figure from Maya's own site, so it weighs less than the GCash schedule above, which was read directly.. Providers revise these without notice.
Who regulates Maya?
Maya — regulation: Bangko Sentral ng Pilipinas, functioning as an Electronic Money Issuer and a registered Operator of Payment System. That covers the rail, not the casino.
What is the Maya wallet limit?
Starting at PHP 50,000 for Basic, monthly caps rise to PHP 100,000 for Upgraded, PHP 500,000 for Super Users, and PHP 5,000,000 for Ultimate Users, at the tier the provider states. Lower tiers carry lower ceilings.