Jilidd Maya — Limits, Fees & Settlement
Maya is a Philippine payment rail — regulation: Bangko Sentral ng Pilipinas, under which it counts as a registered Operator of Payment System and an Electronic Money Issuer.
- Operator
- Smart Money, then PayMaya Philippines, and today Maya Philippines, Inc.
- Regulator
- Bangko Sentral ng Pilipinas, under which it counts as a registered Operator of Payment System and an Electronic Money Issuer
- Wallet limit
- Basic sits at PHP 50,000 a month, Upgraded at PHP 100,000, Super Users at PHP 500,000, and Ultimate Users at PHP 5,000,000
- Per-transaction cap
- At the Upgraded tier, a PHP 20,000 per-transaction limit applies to sending to another Maya user, and a PHP 50,000 per-day limit applies to InstaPay transfers out
- Settlement
- for wallet-to-wallet and InstaPay it's real time, for PESONet it's the same banking day
- Figures as of
- 2026-09
This page covers Maya the payment rail. Operator-specific cashier information has been kept off this page on purpose — see the last section for the reason.
Maya at a glance
| Field | Value |
|---|---|
| Operated by | Smart Money, then PayMaya Philippines, and today Maya Philippines, Inc. — the same entity across three names |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | Basic sits at PHP 50,000 a month, Upgraded at PHP 100,000, Super Users at PHP 500,000, and Ultimate Users at PHP 5,000,000 |
| Per-transaction cap | At the Upgraded tier, a PHP 20,000 per-transaction limit applies to sending to another Maya user, and a PHP 50,000 per-day limit applies to InstaPay transfers out |
| Settlement | for wallet-to-wallet and InstaPay it’s real time, for PESONet it’s the same banking day |
| Published fees | Maya’s cash-in page describes free cash-in via selected partners up to PHP 8,000 combined each month, plus 2 per cent on any amount over that. Weight favours the GCash schedule above, read directly, over this figure from Maya’s own site, which verification did not re-fetch. |
Maya states these as MONTHLY wallet limits. The ceiling that GCash states is defined by a balance held at any given moment. A comparison placing these two numbers side by side falls short of meaningful, since they don’t measure the same thing, no matter how habitually it’s made.
2026-09 marks the point these figures were taken; treat them as fixed rather than current. Payment providers adjust their limits and fees without any warning, which makes the provider’s own page the sole reliable, current source.
How fast money actually moves
Maya settles for wallet-to-wallet and InstaPay it’s real time, for PESONet it’s the same banking day. What’s being described is the rail, not the casino — before Maya ever sees a withdrawal, an operator’s own review can hold it, and that review is usually what causes the delay.
A per-transaction cap of At the Upgraded tier, a PHP 20,000 per-transaction limit applies to sending to another Maya user, and a PHP 50,000 per-day limit applies to InstaPay transfers out applies, which is why a larger transfer sometimes has to be split.
Verification tiers
- Basic — Daily purchases and the monthly wallet balance share the same PHP 50,000 limit. At this tier, InstaPay bank transfers and sending to other Maya users are both closed off
- Upgraded — It calls for a video selfie, valid ID and a verified address. PHP 50,000 per day and PHP 100,000 per month on InstaPay out, PHP 20,000 per transaction and PHP 100,000 per day sending to a Maya user, PHP 100,000 daily on purchases, and a PHP 100,000 monthly wallet limit
- Super Users — The wallet’s monthly limit and its daily purchase and send limits all stand at PHP 500,000. Maya leaves account qualification for this tier unpublished
- Ultimate Users — Whether counted monthly for the wallet or daily for purchases and sends, the limit here is PHP 5,000,000 in each case. Maya leaves account qualification for this tier unpublished
The published ceiling of Basic sits at PHP 50,000 a month, Upgraded at PHP 100,000, Super Users at PHP 500,000, and Ultimate Users at PHP 5,000,000 applies to the tier stated above, not to every account.
What Maya says about gambling transactions
Absent from Maya’s e-wallet terms and conditions, read directly, is any gambling clause; present are only general prohibitions on illegal activity and anti-money-laundering breaches. Its separate CREDIT CARD terms treat ‘illegal gambling or unauthorized game of chance’ as a restricted transaction, stating the consequence as suspension or cancellation of the card. Maya likewise responded to BSP Memorandum M-2025-029 in August 2025, taking down in-app gambling and gaming links. Since the two products are not the same, a restriction inside a credit card agreement does not restrict the wallet.
Paying with Maya at Jilidd
- Log into Jilidd, then head to the cashier.
- Find Maya among the payment methods listed by the cashier for your account, and select it.
- Make sure the name on your Jilidd account matches the name on your Maya account.
- Give the cashier screen a look for the minimum, maximum and any fee before you confirm the amount.
Before depositing through an unfamiliar method for the first time, glance at the cashier screen, where your account’s live limits are shown.
Other payment rails explained here
- GCashLicensing as an Electronic Money Issuer places it under Bangko Sentral ng Pilipinas
- GrabPaySince 2018, Bangko Sentral ng Pilipinas has classified it as a licensed Electronic Money Issuer
- PESONetBangko Sentral ng Pilipinas brings this under its National Retail Payment System framework
- Debit and Credit CardsBangko Sentral ng Pilipinas, referencing Republic Act No. 10870 alongside the Manual of Regulations for Banks and Circular No. 1003
FAQ
Who regulates Maya?
Maya — regulation: Bangko Sentral ng Pilipinas, under which it counts as a registered Operator of Payment System and an Electronic Money Issuer. That covers the rail, not the casino.
Does Maya charge fees?
Published fees: Maya's cash-in page describes free cash-in via selected partners up to PHP 8,000 combined each month, plus 2 per cent on any amount over that. Weight favours the GCash schedule above, read directly, over this figure from Maya's own site, which verification did not re-fetch.. Providers revise these without notice.
What is the Maya wallet limit?
Basic sits at PHP 50,000 a month, Upgraded at PHP 100,000, Super Users at PHP 500,000, and Ultimate Users at PHP 5,000,000, at the tier the provider states. Lower tiers carry lower ceilings.
How long does Maya take?
The rail settles for wallet-to-wallet and InstaPay it's real time, for PESONet it's the same banking day. Releasing a withdrawal also triggers a separate check by the operator, one that typically runs longer than the rest.