PH365 Maya — Casino Caps, Charges & Timing
Maya is a Philippine payment rail — regulation: Regulation by Bangko Sentral ng Pilipinas, under which the entity is an Electronic Money Issuer and a registered Operator of Payment System.
Key facts and contents
- Operator
- Maya Philippines, Inc. started out as Smart Money and was later known as PayMaya Philippines
- Regulator
- Regulation by Bangko Sentral ng Pilipinas, under which the entity is an Electronic Money Issuer and a registered Operator of Payment System
- Wallet limit
- Moving up the tiers lifts the limit from PHP 50,000 at Basic to PHP 100,000 per month at Upgraded, PHP 500,000 for Super Users and PHP 5,000,000 for Ultimate Users
- Per-transaction cap
- Both limits apply to the Upgraded tier
- Settlement
- same banking day for PESONet, and in real time where the transfer is wallet-to-wallet or InstaPay
- Figures as of
- 2026-09
Philippine casino talk mentions Maya all the time, normally with figures that originate with the casino and not with Maya. This page draws on figures published by the provider.
Maya at a glance
| Field | Value |
|---|---|
| Operated by | Maya Philippines, Inc. started out as Smart Money and was later known as PayMaya Philippines |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | Moving up the tiers lifts the limit from PHP 50,000 at Basic to PHP 100,000 per month at Upgraded, PHP 500,000 for Super Users and PHP 5,000,000 for Ultimate Users |
| Per-transaction cap | Both limits apply to the Upgraded tier — PHP 20,000 a transaction for Maya-to-Maya sends, and PHP 50,000 daily for outgoing InstaPay transfers |
| Settlement | same banking day for PESONet, and in real time where the transfer is wallet-to-wallet or InstaPay |
| Published fees | Free cash-in via selected partners, combined up to PHP 8,000 per month, is what Maya’s cash-in page describes, plus 2 per cent on the excess. The GCash schedule above was read directly; this one comes from Maya’s own site and was not re-fetched in verification, so it counts for less. |
Maya states these as MONTHLY wallet limits. At GCash, the ceiling refers to a balance held at any point in time. Each number measures its own thing, so lining them up against each other says little, however commonly that is done.
Every figure shown was recorded in 2026-09, so treat it as correct for that date alone. Only the provider’s own page stays current, because payment providers revise limits and fees without any notice.
How fast money actually moves
Maya settles same banking day for PESONet, and in real time where the transfer is wallet-to-wallet or InstaPay. The rail is what that describes, not the casino, since an operator can place a withdrawal under its own review ahead of Maya, and most of the waiting time is usually spent there.
A per-transaction cap of Both limits apply to the Upgraded tier — PHP 20,000 a transaction for Maya-to-Maya sends, and PHP 50,000 daily for outgoing InstaPay transfers applies, which is why a larger transfer sometimes has to be split.
What Maya says about gambling transactions
No gambling clause turns up in Maya’s e-wallet terms and conditions, which were read directly; they contain just general prohibitions on illegal activity and anti-money-laundering breaches. A restricted transaction in the CREDIT CARD terms, a distinct product, is ‘illegal gambling or unauthorized game of chance’, and the card may be suspended or cancelled as stated. Following BSP Memorandum M-2025-029 in August 2025, Maya also pulled its in-app gambling and gaming links. What a credit card agreement restricts is one thing and what the wallet restricts is another, so the two products should not be conflated.
Verification tiers
- Basic — The wallet can hold activity up to PHP 50,000 each month, with purchases bounded at PHP 50,000 each day. Moving money through InstaPay to a bank, or sending to other Maya users, is not possible at this tier
- Upgraded — Applicants must provide a valid ID and a verified address, plus a video selfie. Monthly wallet limit of PHP 100,000; purchases of up to PHP 100,000 a day; PHP 20,000 per transaction and PHP 100,000 per day when sending to a Maya user; PHP 50,000 daily and PHP 100,000 monthly for InstaPay out
- Super Users — A PHP 500,000 limit applies to the wallet each month, and the daily limits for purchases and sending are also PHP 500,000. Maya leaves out any statement of which accounts qualify for this tier
- Ultimate Users — Wallet use is limited to PHP 5,000,000 per month, and both purchases and sends carry a PHP 5,000,000 daily limit. Maya leaves out any statement of which accounts qualify for this tier
The published ceiling of Moving up the tiers lifts the limit from PHP 50,000 at Basic to PHP 100,000 per month at Upgraded, PHP 500,000 for Super Users and PHP 5,000,000 for Ultimate Users applies to the tier stated above, not to every account.
Paying with Maya at PH365
- Log in at PH365 and go to the cashier.
- Select Maya among the payment methods your cashier offers for your account.
- Check that your PH365 account name is the same as the name on your Maya account.
- Your cashier page states a minimum, a maximum and any fee; read those lines, and only then confirm the amount.
Live limits for your account appear in the cashier, and it pays to read them ahead of a first deposit using a new method.
FAQ
What is the Maya wallet limit?
Moving up the tiers lifts the limit from PHP 50,000 at Basic to PHP 100,000 per month at Upgraded, 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.
How can I pay with Maya at PH365?
After you sign in, head to the cashier, where Maya appears among the methods on offer for your account. The name should be identical on both accounts; look over the cashier's limits before confirming.
Does Maya charge fees?
Published fees: Free cash-in via selected partners, combined up to PHP 8,000 per month, is what Maya's cash-in page describes, plus 2 per cent on the excess. The GCash schedule above was read directly; this one comes from Maya's own site and was not re-fetched in verification, so it counts for less.. Providers revise these without notice.
How long does Maya take?
The rail settles same banking day for PESONet, and in real time where the transfer is wallet-to-wallet or InstaPay. The operator's own check before it releases a withdrawal is its own step, and it usually runs longer.