WJ2 Payment Methods — Every Rail, Its Limits & Its Rules

This section covers 4 payment methods entries. Who runs Philippine payment rails, what they are licensed as, and what they publish about limits, fees and settlement are the topics these pages describe. Affiliate sites copy payment figures from each other more carelessly than almost anything else on the internet, which is why every figure here is sourced from the provider’s own domain or a Bangko Sentral ng Pilipinas document.

Everything in this section

Covering 4 pages, one per entry, with no page summarising several. Check the entry’s own page whenever a field above reads “not published”, since it explains who would have had to publish it.

Each entry in a paragraph

The aim is to give enough on every one for you to decide which page deserves a click.

GCash, in detail

Operator: G-Xchange, Inc., a Mynt company that Globe Fintech Innovations and Ayala Corporation formed as a joint venture.

Published limit: The amount at Fully Verified level is PHP 100,000, counted at any given time.

On gambling: If you look for a blanket ban on gambling merchants in GCash’s own terms and conditions you will not find one, only a general clause that bars pyramid and Ponzi schemes.

Maya, in detail

Operator: The company now called Maya Philippines, Inc., previously PayMaya Philippines, and first Smart Money.

Published limit: Ultimate Users have PHP 5,000,000, Super Users have PHP 500,000, Upgraded-tier accounts have PHP 100,000 per month and Basic accounts have PHP 50,000.

On gambling: The terms and conditions for Maya’s e-wallet, read directly, include no gambling clause, only broad rules against illegal activity and against anti-money-laundering breaches.

GrabPay explained

Operator: GPay Network Philippines, Inc., the e-money issuing entity licensed for Grab in the Philippines.

Published limit: A Restricted wallet is held to PHP 10,000 loaded per month, a Standard Consumer wallet gets PHP 100,000, and a driver or merchant wallet gets PHP 250,000.

On gambling: Among Philippine e-wallets examined, none states a clearer gambling position than this one, which is a prohibition.

Bank Transfer, in detail

Operator: Both clearing houses run by Philippine Payments Management, Inc. sit under BSP oversight, and carrying out each transfer falls to the BSP-supervised bank or e-money issuer involved.

Marked not applicable rather than left blank, the field reflects that a wallet limit is not a concept that applies to this rail.

Bank Transfer states no position on gambling transactions in anything it publishes. Permission is not what that amounts to: merchants categories get rules applied quietly all the time, so a payment may be declined even when nothing public explains why.

The thing most often got wrong here

Reducing a wallet limit to one number that can be compared does not work. Maya publishes a monthly total, and what GCash publishes is a ceiling on the balance held at any given time. Bucket versus tap is the real comparison when side-by-side tables set PHP 100,000 against PHP 100,000 as if they meant one thing, because the two measure different things.

Every page says which of the two it is quoting. No amount of table formatting reconciles a limit you hit by holding money with a limit you hit by moving it, and that is the difference at stake.

Payment methods details can be checked in the game itself

Few things on a site like this age as quickly as payment figures. Within a couple of minutes, each of them can be rechecked:

1. Skip the comparison page and open the help centre that the provider runs. Over the last two years all three of GCash, Maya and Grab have revised their limits and terms, which each publishes on its own domain.
2. See which tier a quoted limit is attached to. Quoted as though it applied to a new account, the top-tier number is what almost every wallet figure in circulation turns out to be, and a new account is on the bottom tier.
3. Go to the BSP FAQ PDFs instead of a bank when you need answers about InstaPay and PESONet. A bank’s own page describes only its own charges, while the scheme level is where the per-transaction cap and who pays the fee are set.
4. Read the provider’s acceptable use policy in full whenever the matter concerns gambling and payments. No other provider among these makes a clearer statement than GrabPay, whose prohibition appears in its terms of service and not in a help article.
5. All figures on these pages should be treated as dated September 2026. The source each page came from is named on it, for exactly this reason.

Using these payment methods at WJ2

1. The cashier at WJ2 is reached after you sign in.
2. Your account’s cashier lists methods; pick one and read the limits it shows.
3. Make sure the name on your WJ2 account matches the name on your bank or wallet.
4. Until the balance updates, keep the reference number, and confirm the amount.