GOGOJILI Maya — Limits, Fees & Settlement
Maya is a Philippine payment rail — regulation: Bangko Sentral ng Pilipinas recognises it as a registered Operator of Payment System and as an Electronic Money Issuer.
| Fact | Value |
|---|---|
| Operator | Maya Philippines, Inc., with PayMaya Philippines as its previous name and Smart Money as its first |
| Regulator | Bangko Sentral ng Pilipinas recognises it as a registered Operator of Payment System and as an Electronic Money Issuer |
| Wallet limit | Upgraded carries a PHP 100,000 monthly limit, Basic only PHP 50,000, with PHP 500,000 going to Super Users and PHP 5,000,000 to Ultimate Users |
| Per-transaction cap | Both figures are for the Upgraded tier: PHP 20,000 per transaction on Maya-user sends, and PHP 50,000 per day on InstaPay transfers out |
| Settlement | at once for wallet-to-wallet and InstaPay transfers, with PESONet done the same banking day |
| Figures as of | 2026-09 |
Philippine casino talk is full of Maya, usually paired with figures that originate at the casino and not at Maya. The figures on this page are the ones the provider itself has published.
Maya at a glance
| Field | Value |
|---|---|
| Operated by | Maya Philippines, Inc., with PayMaya Philippines as its previous name and Smart Money as its first |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | Upgraded carries a PHP 100,000 monthly limit, Basic only PHP 50,000, with PHP 500,000 going to Super Users and PHP 5,000,000 to Ultimate Users |
| Per-transaction cap | Both figures are for the Upgraded tier: PHP 20,000 per transaction on Maya-user sends, and PHP 50,000 per day on InstaPay transfers out |
| Settlement | at once for wallet-to-wallet and InstaPay transfers, with PESONet done the same banking day |
| Published fees | Cash-in via selected partners, according to Maya’s cash-in page, is free up to PHP 8,000 per month combined, with an excess rate of 2 per cent. Compared with the GCash schedule above, which was read directly, that figure carries less weight because it comes from Maya’s own site and was not re-fetched during verification. |
Maya states these as MONTHLY wallet limits. GCash phrases the ceiling as a balance held at any given time. Do not treat the two numbers as comparable: they measure different things, and a side-by-side is not meaningful however often it is presented.
These figures are a point-in-time record from 2026-09. Providers change their limits and fees with no warning, so the provider’s own page is the sole up-to-date source.
How fast money actually moves
Maya settles at once for wallet-to-wallet and InstaPay transfers, with PESONet done the same banking day. That refers to the rail rather than the casino: an operator may hold a withdrawal for its own review well before Maya sees it, and that review is normally the source of the wait.
A per-transaction cap of Both figures are for the Upgraded tier: PHP 20,000 per transaction on Maya-user sends, and PHP 50,000 per day on InstaPay transfers out applies, which is why a larger transfer sometimes has to be split.
What Maya says about gambling transactions
Gambling gets no clause in Maya’s e-wallet terms and conditions, which were read directly; they cover only general prohibitions on illegal activity and anti-money-laundering breaches. The CREDIT CARD, a separate product, carries terms that do list ‘illegal gambling or unauthorized game of chance’ as restricted and set out card suspension or cancellation as the consequence. Also in August 2025, Maya was bound by BSP Memorandum M-2025-029 and took gambling and gaming links out of its app accordingly. The difference is significant: a restriction that sits in a credit card agreement has no bearing on the wallet.
Verification tiers
- Basic — Wallet activity is bounded at PHP 50,000 per month, and daily buying is bounded at PHP 50,000. InstaPay transfers to banks and payments to other Maya users are both blocked at this tier
- Upgraded — Applicants need a valid ID, a verified address and a video selfie. Caps are PHP 100,000 per month on the wallet, PHP 100,000 per day on purchases, PHP 20,000 per transaction and PHP 100,000 per day for sending to a Maya user, and PHP 50,000 per day and PHP 100,000 per month for InstaPay out
- Super Users — PHP 500,000 covers the wallet monthly, and PHP 500,000 covers both purchases and sends daily. Maya stays silent in public on what qualifies an account for this tier
- Ultimate Users — For the wallet, the monthly limit is PHP 5,000,000, and the same PHP 5,000,000 figure applies to daily purchases and sends. Maya stays silent in public on what qualifies an account for this tier
The published ceiling of Upgraded carries a PHP 100,000 monthly limit, Basic only PHP 50,000, with PHP 500,000 going to Super Users and PHP 5,000,000 to Ultimate Users applies to the tier stated above, not to every account.
Paying with Maya at GOGOJILI
- Sign in at GOGOJILI and open the cashier.
- In the cashier, choose Maya from the payment methods listed for your account.
- Make sure the name on your GOGOJILI account matches the name on your Maya account.
- Read the minimum, the maximum and any fee on the cashier screen, then confirm the amount.
Your cashier screen displays the current limits on your account, so check it ahead of the first deposit with any new method.
FAQ
What is the Maya wallet limit?
Upgraded carries a PHP 100,000 monthly limit, Basic only PHP 50,000, with PHP 500,000 going to Super Users and PHP 5,000,000 to Ultimate Users, at the tier the provider states. Lower tiers carry lower ceilings.
How do I pay with Maya at GOGOJILI?
Once you're logged in, the cashier's payment-method list for your account is where Maya sits; open the cashier and tap it. The name on both accounts has to match, and the limits shown in the cashier deserve a look before you confirm.
How long does Maya take?
The rail settles at once for wallet-to-wallet and InstaPay transfers, with PESONet done the same banking day. A withdrawal also goes through the operator's own review before release, which is a separate step and typically takes longer.
Who regulates Maya?
Maya — regulation: Bangko Sentral ng Pilipinas recognises it as a registered Operator of Payment System and as an Electronic Money Issuer. That covers the rail, not the casino.