WJ2 Maya: Cap Your Own Sends

This page covers Maya the payment rail. Why anything tied to a particular operator’s cashier is left out on purpose is explained in the last section.

Maya at a glance

Field	Value
Operated by	The company now called Maya Philippines, Inc., previously PayMaya Philippines, and first Smart Money
Regulated by	Bangko Sentral ng Pilipinas
Wallet 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
Per-transaction cap	A single transfer to another Maya user can be PHP 20,000 at most, and InstaPay transfers out can total PHP 50,000 per day, both at the Upgraded tier
Settlement	arriving in real time over wallet-to-wallet or InstaPay, but on the same banking day via PESONet
Published fees	Beyond a combined PHP 8,000 per month, cash-in via selected partners is charged 2 per cent on the excess, and Maya’s cash-in page says anything up to that is free. Weigh that figure lightly: it is sourced to Maya’s own site, no re-fetch was done during verification, and the GCash schedule above was read directly.

Maya states these as MONTHLY wallet limits. GCash defines its ceiling by the balance held at any given time. Presenting the two numbers together as a like-for-like comparison, as often happens, is not meaningful, because they measure different things.

Recorded in 2026-09, every figure on this page is a point-in-time one. Without notice, payment providers revise limits and fees, so the provider’s own page is the only current source.

How fast money actually moves

Maya settles arriving in real time over wallet-to-wallet or InstaPay, but on the same banking day via PESONet. Waiting time usually comes from the operator’s own review, which can hold a withdrawal before it ever reaches Maya, so what that describes is the rail and not the casino.

A per-transaction cap of A single transfer to another Maya user can be PHP 20,000 at most, and InstaPay transfers out can total PHP 50,000 per day, both at the Upgraded tier applies, which is why a larger transfer sometimes has to be split.

What Maya says about gambling transactions

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. In the terms for its CREDIT CARD, which is a separate product, ‘illegal gambling or unauthorized game of chance’ is listed as a restricted transaction, and the card may be suspended or cancelled as the stated consequence. Maya, likewise bound by BSP Memorandum M-2025-029 in August 2025, dropped in-app gambling and gaming links as required. What matters here is the distinction between the two products, since a credit card agreement’s restriction is no restriction on the wallet.

Verification tiers

Basic — The wallet tops out at PHP 50,000 a month, and purchases top out at PHP 50,000 a day. At this tier, bank transfers via InstaPay and sending to other Maya users are both off the table
Upgraded — Submission of valid ID, a verified address and a video selfie is mandatory. The wallet is allowed PHP 100,000 monthly, purchases are allowed up to PHP 100,000 daily, a Maya user can receive at most PHP 20,000 in each transaction and PHP 100,000 in each day, and InstaPay out is limited to PHP 50,000 a day and PHP 100,000 a month
Super Users — A monthly limit of PHP 500,000 covers the wallet, while purchases and sends each have a PHP 500,000 daily limit. No published detail from Maya explains what qualifies an account for this tier
Ultimate Users — A monthly wallet limit of PHP 5,000,000 is paired with PHP 5,000,000 limits on daily purchases and sends. No published detail from Maya explains what qualifies an account for this tier

The published ceiling of 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 applies to the tier stated above, not to every account.

Paying with Maya at WJ2

Sign in at WJ2 and open the cashier.
Maya is the entry to pick among the payment methods the cashier lists for your account.
Make sure the name on your WJ2 account matches the name on your Maya account.
On the cashier screen you should check the minimum, maximum and any fee, and only after that confirm the amount.

Read the cashier screen ahead of every first deposit with a new method, because the live limits for your account are shown there.

FAQ

Who regulates Maya?

Maya — regulation: A registered Operator of Payment System and an Electronic Money Issuer in the books of Bangko Sentral ng Pilipinas. That covers the rail, not the casino.

How long does Maya take?

The rail settles arriving in real time over wallet-to-wallet or InstaPay, but on the same banking day via PESONet. Before releasing a withdrawal, an operator runs its own review, which is a separate step and usually takes longer.

How do I pay with Maya at WJ2?

Maya is what you pick from the methods the cashier lists for your account, once you have signed in and opened it. Confirm only after reading the limits in the cashier, and after making sure both accounts carry a matching name.

Does Maya charge fees?

Published fees: Beyond a combined PHP 8,000 per month, cash-in via selected partners is charged 2 per cent on the excess, and Maya's cash-in page says anything up to that is free. Weigh that figure lightly: it is sourced to Maya's own site, no re-fetch was done during verification, and the GCash schedule above was read directly.. Providers revise these without notice.

WJ2 Maya — Limits, Fees & Settlement