PH90 Maya — Limits, Fees & Settlement
Maya is a Philippine payment rail — regulation: Bangko Sentral ng Pilipinas, which registers it as an Operator of Payment System and licenses it as an Electronic Money Issuer.
| Fact | Value |
|---|---|
| Operator | Maya Philippines, Inc., which traded as PayMaya Philippines and began as Smart Money |
| Regulator | Bangko Sentral ng Pilipinas, which registers it as an Operator of Payment System and licenses it as an Electronic Money Issuer |
| Wallet 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 |
| Per-transaction cap | At the Upgraded tier, sending to another Maya user is capped at PHP 20,000 a transaction while InstaPay transfers out are held to PHP 50,000 a day |
| Settlement | real time on wallet-to-wallet and InstaPay transfers, with PESONet settling the same banking day |
| Figures as of | 2026-09 |
What follows is about Maya as a payment method: who runs it, what it is licensed as, and what it publishes about limits and fees.
Maya at a glance
| Field | Value |
|---|---|
| Operated by | Maya Philippines, Inc., which traded as PayMaya Philippines and began as Smart Money |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet 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 |
| Per-transaction cap | At the Upgraded tier, sending to another Maya user is capped at PHP 20,000 a transaction while InstaPay transfers out are held to PHP 50,000 a day |
| Settlement | real time on wallet-to-wallet and InstaPay transfers, with PESONet settling the same banking day |
| Published fees | According to Maya’s cash-in page, selected partners carry no charge up to a combined PHP 8,000 a month, with 2 per cent applying above that. Maya’s own site is the source, but it was not re-fetched at verification, which leaves it weaker than the GCash schedule above, read directly. |
Maya states these as MONTHLY wallet limits. The ceiling GCash quotes refers to the balance held at any one moment. Setting the two side by side proves nothing, however routinely it is done, because each measures something different.
Recorded 2026-09, the figures here are point-in-time. Limits and fees get revised by payment providers without notice, which leaves the provider’s own page as the only current source.
Verification tiers
- Basic — A wallet limit of PHP 50,000 a month, with daily purchases also capped at PHP 50,000. Neither InstaPay bank transfers nor sending to another Maya user is available at this tier
- Upgraded — A valid ID, a verified address and a video selfie are required. A monthly wallet limit of PHP 100,000, daily purchases to PHP 100,000, sends to another Maya user capped at PHP 20,000 each and PHP 100,000 a day, and InstaPay out limited to PHP 50,000 daily against PHP 100,000 monthly
- Super Users — A monthly wallet limit of PHP 500,000, with daily purchase and send limits each at PHP 500,000. What qualifies an account for this tier goes unpublished by Maya
- Ultimate Users — A monthly wallet limit of PHP 5,000,000, with daily purchase and send limits each at PHP 5,000,000. What qualifies an account for this tier goes unpublished by Maya
The published ceiling of 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 applies to the tier stated above, not to every account.
How fast money actually moves
Maya settles real time on wallet-to-wallet and InstaPay transfers, with PESONet settling the same banking day. The rail is what that describes, not the casino: a withdrawal can sit under an operator’s own review long before Maya sees it, and that review is usually where the waiting comes from.
A per-transaction cap of At the Upgraded tier, sending to another Maya user is capped at PHP 20,000 a transaction while InstaPay transfers out are held to PHP 50,000 a day applies, which is why a larger transfer sometimes has to be split.
What Maya says about gambling transactions
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. Restricted transactions under its CREDIT CARD terms — a distinct product — do name ‘illegal gambling or unauthorized game of chance’, with the card facing suspension or cancellation as a result. BSP Memorandum M-2025-029 covered Maya too in August 2025, and in-app gambling and gaming links were taken out in response. Keeping the two products apart matters, since a restriction sitting in a credit card agreement does not bind the wallet.
Paying with Maya at PH90
- Sign in at PH90 and open the cashier.
- Pick Maya from the payment methods the cashier lists for your account.
- Make sure the name on your PH90 account matches the name on your Maya account.
- Check the minimum, maximum and any fee on the cashier screen, then confirm the amount.
The cashier shows the limits that actually apply to you, which is why a new method is worth checking there first.
FAQ
Who regulates Maya?
Maya — regulation: Bangko Sentral ng Pilipinas, which registers it as an Operator of Payment System and licenses it as an Electronic Money Issuer. That covers the rail, not the casino.
Does Maya charge fees?
Published fees: According to Maya's cash-in page, selected partners carry no charge up to a combined PHP 8,000 a month, with 2 per cent applying above that. Maya's own site is the source, but it was not re-fetched at verification, which leaves it weaker than the GCash schedule above, read directly.. Providers revise these without notice.
How do I pay with Maya at PH90?
Sign in, open the cashier and pick Maya from the methods it lists for your account. Match the name on both accounts, and check the limits the cashier shows before you confirm.
What is the Maya wallet 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, at the tier the provider states. Lower tiers carry lower ceilings.
Other payment rails explained here
| Guide | What it covers |
|---|---|
| GCash | Bangko Sentral ng Pilipinas, which licenses it as an Electronic Money Issuer |
| GrabPay | Bangko Sentral ng Pilipinas, which has licensed it as an Electronic Money Issuer since 2018 |
| InstaPay | Bangko Sentral ng Pilipinas, acting through the National Retail Payment System framework |
| PESONet | Bangko Sentral ng Pilipinas holds authority here via the National Retail Payment System framework |
| Bank Transfer | Bangko Sentral ng Pilipinas, acting through the National Retail Payment System framework that Circular No. 980 established |
| Over-the-Counter Cash Agents | Bangko Sentral ng Pilipinas, which treats them as money service businesses, together with the Anti-Money Laundering Act |
| Debit and Credit Cards | Bangko Sentral ng Pilipinas, whose authority here rests on Republic Act No. 10870 together with Circular No. 1003 and the Manual of Regulations for Banks |