PH90 Payment Methods — Every Rail, Its Limits & Its Rules

This section covers 8 payment methods entries. Philippine payment rails are the subject of these pages — their operators, what they hold a licence as, and what they publish on limits, fees and settlement. Sources here are the provider’s own domain or a Bangko Sentral ng Pilipinas document, because few things on the internet are copied between affiliate sites as carelessly as payment figures.

Everything in this section

Rail	Operated by	Settlement	Gambling position published
Maya	Maya Philippines	real time on wallet-to-wallet and InstaPay transfers	Yes
Bank Transfer	Both clearing houses are operated by Philippine Payments Management	around the clock and in real time on InstaPay	No
PESONet	Philippine Payments Management	same banking day when the instruction reaches the clearing house before cut-off	No
Over-the-Counter Cash Agents	Behind it are several independently owned agent networks	in person and immediately: cash passes across the counter	No
InstaPay	Philippine Payments Management	in real time	No
Debit and Credit Cards	Visa and Mastercard as the international schemes	Not applicable	Yes
GCash	G-Xchange	real time on wallet-to-wallet and InstaPay transfers	Yes
GrabPay	GPay Network Philippines	in real time where the transfer is wallet-to-wallet	Yes

8 pages, one entry each, with nothing summarised across several. A field reading “not published” above is followed up on the entry’s own page, which names who would have had to publish it.

Each entry in a paragraph

Just enough on each to tell which page is worth opening.

Maya, in detail

Operator: Maya Philippines, Inc., which traded as PayMaya Philippines and began as Smart Money.

Published limit: From PHP 50,000 at Basic it runs to PHP 100,000 a month once Upgraded, then PHP 500,000 for Super Users and PHP 5,000,000 for Ultimate Users.

On gambling: Reading Maya’s e-wallet terms and conditions directly turns up no gambling clause at all — what is there are general prohibitions covering illegal activity and anti-money-laundering breaches.

Bank Transfer, in detail

Operator: Both clearing houses are operated by Philippine Payments Management, Inc. under BSP oversight, with the transfers themselves executed by BSP-supervised banks and e-money issuers.

Because the idea of a wallet limit means nothing on this rail, not applicable is what the field says.

On gambling transactions, Bank Transfer publishes nothing. Permission is not what that amounts to — merchant-category rules get applied all the time without being published, and a payment can be refused with no public rule behind it.

PESONet explained

Operator: Philippine Payments Management, Inc., alongside the Philippine Clearing House Corporation in the role of designated clearing switch operator.

Because the idea of a wallet limit means nothing on this rail, not applicable is what the field says.

PESONet publishes no position on gambling transactions. Permission is not what that amounts to — merchant-category rules get applied all the time without being published, and a payment can be refused with no public rule behind it.

Over-the-Counter Cash Agents, in detail

Operator: Behind it are several independently owned agent networks, each BSP-accredited on its own account and contracted individually by wallets and billers — CliQQ counters inside 7-Eleven run by Philippine Seven Corporation, Cebuana Lhuillier, M Lhuillier, Palawan Pawnshop and others.

Because the idea of a wallet limit means nothing on this rail, not applicable is what the field says.

On gambling transactions, Over-the-Counter Cash Agents publishes nothing. Permission is not what that amounts to — merchant-category rules get applied all the time without being published, and a payment can be refused with no public rule behind it.

The InstaPay entry

Operator: Philippine Payments Management, Inc., the operator of the automated clearing house, working under BSP oversight.

Because the idea of a wallet limit means nothing on this rail, not applicable is what the field says.

InstaPay publishes no position on gambling transactions. Permission is not what that amounts to — merchant-category rules get applied all the time without being published, and a payment can be refused with no public rule behind it.

The Debit and Credit Cards entry

Operator: Visa and Mastercard as the international schemes, with BancNet handling domestic debit.

Because the idea of a wallet limit means nothing on this rail, not applicable is what the field says.

On gambling: Neither BSP nor Visa nor Mastercard was found to have made a Philippine-specific statement about gambling transactions.

GCash, in detail

Operator: G-Xchange, Inc., part of Mynt — the joint venture between Globe Fintech Innovations and Ayala Corporation.

Published limit: PHP 100,000 for a Fully Verified account, measured at any one moment.

On gambling: Nowhere in GCash’s terms and conditions is there a blanket ban on gambling merchants; the closest general clause rules out pyramid and Ponzi schemes.

GrabPay explained

Operator: GPay Network Philippines, Inc., the entity Grab holds its Philippine e-money issuing licence through.

Published limit: Monthly loading runs to PHP 100,000 on a Standard Consumer wallet, PHP 10,000 on a Restricted one and PHP 250,000 for a driver or merchant.

On gambling: Among the Philippine e-wallets examined none states its gambling position more plainly, and what it states is a prohibition.

Check payment methods details in the game itself

Of everything on a site like this, payment figures are the first to go stale. Rechecking any of them takes a couple of minutes:

1. The provider’s own help centre is the place to start, not a comparison page. Limits and terms are published on their own domains by GCash, Maya and Grab alike, and all three have changed them within the last two years.
2. Establish the tier a quoted limit sits on. Nearly every wallet figure in circulation is a top-tier number presented as though a new account had it, when a new account sits on the bottom tier.
3. Use the BSP FAQ PDFs for InstaPay and PESONet rather than a bank. Scheme level is where the per-transaction cap and the question of who pays the fee are decided, while a bank’s own page only covers its own charges.
4. On anything touching gambling and payments, read the provider’s acceptable use policy from end to end. The prohibition sits in GrabPay’s terms of service rather than a help article, and no other provider here says anything as clear.
5. Every figure on these pages should be read as dated September 2026. That is exactly why each page names the source behind it.

The thing most often got wrong here

There is no single comparable number called a wallet limit. A monthly total is what Maya publishes; GCash publishes a ceiling on the balance held at any one moment. Different things are being measured, and a side-by-side table setting PHP 100,000 against PHP 100,000 as if they matched is putting a bucket next to a tap.

Every page names which of the two it quotes. One limit is reached by holding money and the other by moving it, and no table formatting will reconcile that.

Using these payment methods at PH90

1. Sign in at PH90 and open the cashier.
2. Pick a method the cashier lists for your account, and read the limits it shows.
3. Make sure the name on your PH90 account matches the name on your bank or wallet.
4. Confirm the amount, and keep the reference number until the balance updates.