JILIWIN Maya — Limits, Fees & Settlement
Maya is a Philippine payment rail — regulation: Bangko Sentral ng Pilipinas is its regulator, in the capacity of an Electronic Money Issuer and a registered Operator of Payment System.
Key facts and contents
- Operator
- Maya Philippines, Inc., the successor to PayMaya Philippines and, before that, Smart Money
- Regulator
- Bangko Sentral ng Pilipinas is its regulator, in the capacity of an Electronic Money Issuer and a registered Operator of Payment System
- Wallet limit
- The Upgraded tier allows PHP 100,000 each month, up from PHP 50,000 on Basic and below the PHP 500,000 for Super Users and PHP 5,000,000 for Ultimate Users
- Per-transaction cap
- Sends to another Maya user top out at PHP 20,000 per transaction, and InstaPay transfers out top out at PHP 50,000 per day, on the Upgraded tier
- Settlement
- as the money moves for wallet-to-wallet and InstaPay transfers, and on the same banking day when PESONet is used
- Figures as of
- 2026-09
This part looks at Maya as a payment method, namely its operator, the licence category it holds, and the limits and fees information it publishes.
Maya at a glance
| Field | Value |
|---|---|
| Operated by | Maya Philippines, Inc., the successor to PayMaya Philippines and, before that, Smart Money |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | The Upgraded tier allows PHP 100,000 each month, up from PHP 50,000 on Basic and below the PHP 500,000 for Super Users and PHP 5,000,000 for Ultimate Users |
| Per-transaction cap | Sends to another Maya user top out at PHP 20,000 per transaction, and InstaPay transfers out top out at PHP 50,000 per day, on the Upgraded tier |
| Settlement | as the money moves for wallet-to-wallet and InstaPay transfers, and on the same banking day when PESONet is used |
| Published fees | Maya’s cash-in page gives the terms: free cash-in via selected partners up to PHP 8,000 monthly combined, then 2 per cent on the excess. Coming from Maya’s own site, that figure was not re-fetched during verification; it therefore weighs less than the GCash schedule above, read directly. |
Maya states these as MONTHLY wallet limits. The way GCash puts it, the ceiling means the balance held at one time. Different things are measured by the two numbers, which is why lining them up against each other is not meaningful, even if it is often presented as a comparison.
Take these figures as point-in-time, as they were recorded in 2026-09. Without any notice, payment providers rewrite their limits and fees, which leaves the provider’s own page as the one source that stays current.
How fast money actually moves
Maya settles as the money moves for wallet-to-wallet and InstaPay transfers, and on the same banking day when PESONet is used. What that points to is the rail and not the casino: until a withdrawal reaches Maya, the operator may hold it for its own review, and waiting time most often comes from that review.
A per-transaction cap of Sends to another Maya user top out at PHP 20,000 per transaction, and InstaPay transfers out top out at PHP 50,000 per day, on the Upgraded tier applies, which is why a larger transfer sometimes has to be split.
What Maya says about gambling transactions
Maya’s e-wallet terms and conditions, read directly, contain nothing on gambling specifically, just general prohibitions on illegal activity and anti-money-laundering breaches. In the CREDIT CARD terms, which cover a separate product, ‘illegal gambling or unauthorized game of chance’ is listed as a restricted transaction and the stated consequence is card suspension or cancellation. To comply with BSP Memorandum M-2025-029 in August 2025, Maya also removed gambling and gaming links from its app. The wallet is not restricted by what a credit card agreement says, so the difference between the products counts.
Verification tiers
- Basic — The monthly wallet limit is PHP 50,000, and the daily purchase limit is also PHP 50,000. Two things are missing at this tier: InstaPay bank transfers and sending to other Maya users
- Upgraded — It needs a valid ID, a video selfie and a verified address. Up to PHP 100,000 can be purchased per day, the wallet has a PHP 100,000 monthly limit, sending to a Maya user is capped at PHP 20,000 per transaction and PHP 100,000 per day, and InstaPay out is set at PHP 50,000 per day and PHP 100,000 per month
- Super Users — The wallet caps at PHP 500,000 per month, and daily purchases and sends cap at PHP 500,000 too. There is no published word from Maya on what qualifies an account for this tier
- Ultimate Users — A PHP 5,000,000 ceiling on the wallet per month, plus a PHP 5,000,000 ceiling on daily purchases and on daily sends. There is no published word from Maya on what qualifies an account for this tier
The published ceiling of The Upgraded tier allows PHP 100,000 each month, up from PHP 50,000 on Basic and below the PHP 500,000 for Super Users and PHP 5,000,000 for Ultimate Users applies to the tier stated above, not to every account.
Paying with Maya at JILIWIN
- Sign in at JILIWIN and open the cashier.
- Select Maya on the list of payment methods that your account’s cashier presents.
- Make sure the name on your JILIWIN account matches the name on your Maya account.
- On the cashier screen, look at the minimum, maximum and any fee, and only after that confirm the amount.
Live limits for your account are displayed on the cashier screen, so check it prior to the first deposit you make with any new method.
FAQ
What is the Maya wallet limit?
The Upgraded tier allows PHP 100,000 each month, up from PHP 50,000 on Basic and below the 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.
How do I pay with Maya at JILIWIN?
After you log in, go into the cashier and choose Maya from whichever methods it shows for your account. Before you confirm, see that both accounts carry the same name and look over the limits displayed by the cashier.
How long does Maya take?
The rail settles as the money moves for wallet-to-wallet and InstaPay transfers, and on the same banking day when PESONet is used. The operator also reviews a withdrawal on its own before releasing it, and that step is usually longer.
Does Maya charge fees?
Published fees: Maya's cash-in page gives the terms: free cash-in via selected partners up to PHP 8,000 monthly combined, then 2 per cent on the excess. Coming from Maya's own site, that figure was not re-fetched during verification; it therefore weighs less than the GCash schedule above, read directly.. Providers revise these without notice.