PHTAYA Maya — Limits, Fees & Settlement
Maya is a Philippine payment rail — regulation: Bangko Sentral ng Pilipinas designates it an Electronic Money Issuer and a registered Operator of Payment System.
Key facts and contents
- Operator
- Smart Money, later PayMaya Philippines, now doing business as Maya Philippines, Inc.
- Regulator
- Bangko Sentral ng Pilipinas designates it an Electronic Money Issuer and a registered Operator of Payment System
- Wallet limit
- PHP 5,000,000 monthly belongs to Ultimate Users, PHP 500,000 to Super Users, PHP 100,000 to Upgraded, and PHP 50,000 to Basic
- Per-transaction cap
- Upgraded-tier users face a PHP 20,000 per-transaction cap sending to another Maya user and a PHP 50,000 per-day cap on outgoing InstaPay transfers
- Settlement
- wallet-to-wallet and InstaPay both settle in real time, while PESONet waits until the same banking day
- Figures as of
- 2026-09
Maya’s name keeps surfacing in Philippine casino talk, and the numbers pinned to it usually trace to the casino, not Maya itself. The provider’s own public figures are the sole basis for everything on this page.
Maya at a glance
| Field | Value |
|---|---|
| Operated by | Smart Money, later PayMaya Philippines, now doing business as Maya Philippines, Inc. |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | PHP 5,000,000 monthly belongs to Ultimate Users, PHP 500,000 to Super Users, PHP 100,000 to Upgraded, and PHP 50,000 to Basic |
| Per-transaction cap | Upgraded-tier users face a PHP 20,000 per-transaction cap sending to another Maya user and a PHP 50,000 per-day cap on outgoing InstaPay transfers |
| Settlement | wallet-to-wallet and InstaPay both settle in real time, while PESONet waits until the same banking day |
| Published fees | Per Maya’s cash-in page, selected-partner cash-in is free until a combined monthly total of PHP 8,000, after which 2 per cent applies. The GCash schedule above outranks this figure in reliability, since that one was read directly while this one, from Maya’s own site, missed a re-fetch at verification. |
Maya states these as MONTHLY wallet limits. GCash pegs its ceiling to the balance an account holds at a given moment. That side-by-side comparison keeps appearing, yet it stays meaningless, since the two numbers each measure something separate.
What you see here is a fixed snapshot from 2026-09, not a live figure. Because a provider can alter its limits and fees at any moment without warning, checking that provider’s page directly is the only way to see current terms.
How fast money actually moves
Maya settles wallet-to-wallet and InstaPay both settle in real time, while PESONet waits until the same banking day. Blame sits with the rail here, not the casino — Maya only sees a withdrawal once an operator’s internal review has finished with it, and that review is typically what eats the time.
A per-transaction cap of Upgraded-tier users face a PHP 20,000 per-transaction cap sending to another Maya user and a PHP 50,000 per-day cap on outgoing InstaPay transfers 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, gone through directly, contain general prohibitions on illegal activity and anti-money-laundering breaches but no clause on gambling. Card suspension or cancellation follows, per its separate CREDIT CARD terms, whenever ‘illegal gambling or unauthorized game of chance’ triggers the restricted-transaction clause those terms contain. In-app gambling and gaming links disappeared from Maya in August 2025 once BSP Memorandum M-2025-029 took effect for it. The wallet remains free of any limit set inside a credit card agreement, underscoring why these two products are not interchangeable.
Verification tiers
- Basic — Neither the monthly wallet balance nor daily purchases may exceed PHP 50,000 under this limit. InstaPay bank transfers and sending to other Maya users both stay off-limits at this tier
- Upgraded — Valid ID, verified address, and a video selfie are the three things this asks you to submit. InstaPay out is limited to PHP 50,000 per day and PHP 100,000 per month, purchases can reach PHP 100,000 daily, the monthly wallet limit is PHP 100,000, and sending to a Maya user is capped at PHP 20,000 per transaction and PHP 100,000 per day
- Super Users — PHP 500,000 governs the wallet each month, and PHP 500,000 also governs daily purchases and daily sends. Maya has not made public the criteria that qualify an account for this tier
- Ultimate Users — Daily purchases and sends are each capped at PHP 5,000,000, matching the PHP 5,000,000 monthly wallet limit. Maya has not made public the criteria that qualify an account for this tier
The published ceiling of PHP 5,000,000 monthly belongs to Ultimate Users, PHP 500,000 to Super Users, PHP 100,000 to Upgraded, and PHP 50,000 to Basic applies to the tier stated above, not to every account.
Paying with Maya at PHTAYA
- Log into PHTAYA, then head to the cashier.
- Your cashier will list Maya among its payment methods for the account, so go ahead and select it.
- Make sure the name on your PHTAYA account matches the name on your Maya account.
- The cashier screen won’t let you skip its minimum, maximum and fee details, so check those before you confirm.
Your account’s live limits are laid out on the cashier screen — check it ahead of each first deposit through a new method.
FAQ
What is the Maya wallet limit?
PHP 5,000,000 monthly belongs to Ultimate Users, PHP 500,000 to Super Users, PHP 100,000 to Upgraded, and PHP 50,000 to Basic, at the tier the provider states. Lower tiers carry lower ceilings.
How long does Maya take?
The rail settles wallet-to-wallet and InstaPay both settle in real time, while PESONet waits until the same banking day. Before letting a withdrawal go, an operator runs its own review, a distinct step that generally takes more time.
Does Maya charge fees?
Published fees: Per Maya's cash-in page, selected-partner cash-in is free until a combined monthly total of PHP 8,000, after which 2 per cent applies. The GCash schedule above outranks this figure in reliability, since that one was read directly while this one, from Maya's own site, missed a re-fetch at verification.. Providers revise these without notice.
How do I pay with Maya at PHTAYA?
Once signed in, navigate to the cashier and choose Maya among the account's available methods. Before you hit confirm, verify that both accounts carry the same name and glance over the limits shown at the cashier.