Jili168 Maya — Limits, Fees & Settlement
Maya is a Philippine payment rail — regulation: This falls under Bangko Sentral ng Pilipinas regulation, holding status as both an Electronic Money Issuer and an Operator of Payment System registered with it.
Key facts and contents
- Operator
- Maya Philippines, Inc. was once PayMaya Philippines, and before that, Smart Money.
- Regulator
- This falls under Bangko Sentral ng Pilipinas regulation, holding status as both an Electronic Money Issuer and an Operator of Payment System registered with it
- Wallet limit
- From a Basic tier limit of PHP 50,000, the monthly cap rises to PHP 100,000 at Upgraded, PHP 500,000 for Super Users, and as high as PHP 5,000,000 for Ultimate Users.
- Per-transaction cap
- Upgraded tier users can send up to PHP 20,000 per transaction to fellow Maya accounts, and PHP 50,000 daily when sending out via InstaPay.
- Settlement
- in real time for InstaPay and wallet-to-wallet, though PESONet needs until the same banking day
- Figures as of
- 2026-09
This page covers Maya the payment rail. Any detail specific to one operator’s cashier is left out on purpose, with the reasoning covered in the last section.
Maya at a glance
| Field | Value |
|---|---|
| Operated by | Maya Philippines, Inc. was once PayMaya Philippines, and before that, Smart Money. |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | From a Basic tier limit of PHP 50,000, the monthly cap rises to PHP 100,000 at Upgraded, PHP 500,000 for Super Users, and as high as PHP 5,000,000 for Ultimate Users. |
| Per-transaction cap | Upgraded tier users can send up to PHP 20,000 per transaction to fellow Maya accounts, and PHP 50,000 daily when sending out via InstaPay. |
| Settlement | in real time for InstaPay and wallet-to-wallet, though PESONet needs until the same banking day |
| Published fees | Free cash-in through selected partners is capped at PHP 8,000 combined monthly per Maya’s cash-in page, after which 2 per cent applies to the excess. Because it wasn’t re-fetched during verification, this figure — taken from Maya’s own site — carries less weight than the directly read GCash schedule above. |
Maya states these as MONTHLY wallet limits. GCash frames its ceiling as whatever balance is held at a given time, not a cumulative total. Even though it’s frequently presented that way, a side-by-side comparison of these two numbers is meaningless because they measure different things.
These numbers reflect a single point in time, captured in 2026-09. Because limits and fees can be revised by payment providers at any time without warning, the provider’s own page is where the current details actually live.
How fast money actually moves
Maya settles in real time for InstaPay and wallet-to-wallet, though PESONet needs until the same banking day. It describes the rail rather than the casino - an operator may hold a withdrawal for review before it reaches Maya, and that review is typically where the wait comes from.
A per-transaction cap of Upgraded tier users can send up to PHP 20,000 per transaction to fellow Maya accounts, and PHP 50,000 daily when sending out via InstaPay. applies, which is why a larger transfer sometimes has to be split.
What Maya says about gambling transactions
No gambling-specific clause appears in Maya’s e-wallet terms and conditions after a direct read — only broad prohibitions covering illegal activity and anti-money-laundering breaches. ‘Illegal gambling or unauthorized game of chance’ is listed as a restricted transaction under its CREDIT CARD terms — a separate product — with card suspension or cancellation stated as the consequence. BSP Memorandum M-2025-029, issued in August 2025, applied to Maya as well, prompting removal of in-app gambling and gaming links. A credit card agreement’s restriction doesn’t carry over to the wallet, which is why the distinction between the two products matters.
Verification tiers
- Basic — The wallet caps at PHP 50,000 per month, and purchases are capped at PHP 50,000 per day. This tier blocks both InstaPay bank transfers and transfers to other Maya users.
- Upgraded — Valid ID, a verified address, and a video selfie must all be provided. Limits include a PHP 100,000 monthly wallet cap, daily purchases up to PHP 100,000, Maya-to-Maya sending capped at PHP 20,000 per transaction and PHP 100,000 per day, plus InstaPay outbound transfers at PHP 50,000 daily and PHP 100,000 monthly.
- Super Users — Daily purchase and send limits sit at PHP 500,000, alongside a PHP 500,000 monthly wallet limit. Maya keeps the qualifying criteria for this tier unpublished.
- Ultimate Users — Daily purchase and send limits both reach PHP 5,000,000, alongside a PHP 5,000,000 monthly wallet cap. Maya keeps the qualifying criteria for this tier unpublished.
The published ceiling of From a Basic tier limit of PHP 50,000, the monthly cap rises to PHP 100,000 at Upgraded, PHP 500,000 for Super Users, and as high as PHP 5,000,000 for Ultimate Users. applies to the tier stated above, not to every account.
Paying with Maya at Jili168
- Sign in at Jili168 and open the cashier.
- From the payment methods the cashier lists for your account, select Maya.
- Make sure the name on your Jili168 account matches the name on your Maya account.
- First check the cashier screen for its minimum, maximum and fee, and only then confirm the amount.
Live account limits are visible on the cashier screen, so check it ahead of using any payment method for the first time.
FAQ
What is the Maya wallet limit?
From a Basic tier limit of PHP 50,000, the monthly cap rises to PHP 100,000 at Upgraded, PHP 500,000 for Super Users, and as high as PHP 5,000,000 for Ultimate Users., at the tier the provider states. Lower tiers carry lower ceilings.
How long does Maya take?
The rail settles in real time for InstaPay and wallet-to-wallet, though PESONet needs until the same banking day. That review an operator runs before releasing a withdrawal is separate, and typically longer.
Does Maya charge fees?
Published fees: Free cash-in through selected partners is capped at PHP 8,000 combined monthly per Maya's cash-in page, after which 2 per cent applies to the excess. Because it wasn't re-fetched during verification, this figure — taken from Maya's own site — carries less weight than the directly read GCash schedule above.. Providers revise these without notice.
How do I pay with Maya at Jili168?
Log in, open the cashier, and select Maya among the methods it shows for your account. Check that the name lines up across both accounts, and note the cashier's limits before confirming.