- Operator
- Maya Philippines, Inc., known earlier as PayMaya Philippines and originally as Smart Money
- Regulator
- the Bangko Sentral ng Pilipinas, as an Electronic Money Issuer and a registered Operator of Payment System
- Wallet limit
- Monthly limits scale from PHP 50,000 at Basic through PHP 100,000 at Upgraded and PHP 500,000 for Super Users, up to PHP 5,000,000 for Ultimate Users.
- Per-transaction cap
- At the Upgraded tier, PHP 20,000 per transaction applies to Maya-to-Maya transfers, while InstaPay transfers out max out at PHP 50,000 per day.
- Settlement
- wallet-to-wallet and InstaPay transfers clear in real time, while PESONet takes until the same banking day
- Figures as of
- 2026-09
This page covers Maya the payment rail. Deliberately, nothing specific to one operator’s cashier appears here, and the reason is covered in the last section.
Maya at a glance
| Field | Value |
|---|---|
| Operated by | Maya Philippines, Inc., known earlier as PayMaya Philippines and originally as Smart Money |
| Regulated by | the Bangko Sentral ng Pilipinas, as an Electronic Money Issuer and a registered Operator of Payment System |
| Wallet limit | Monthly limits scale from PHP 50,000 at Basic through PHP 100,000 at Upgraded and PHP 500,000 for Super Users, up to PHP 5,000,000 for Ultimate Users. |
| Per-transaction cap | At the Upgraded tier, PHP 20,000 per transaction applies to Maya-to-Maya transfers, while InstaPay transfers out max out at PHP 50,000 per day. |
| Settlement | wallet-to-wallet and InstaPay transfers clear in real time, while PESONet takes until the same banking day |
| Published fees | Combined cash-in of up to PHP 8,000 a month through selected partners is free according to Maya’s cash-in page, with 2 per cent charged past that point. Unlike the GCash schedule above, read directly, this figure was sourced from Maya’s own site without being re-fetched during verification, so it counts for less. |
Maya states these as MONTHLY wallet limits. GCash defines its ceiling by the balance held at any single moment. A meaningless comparison is what you get lining these two numbers up side by side, given they measure different things, no matter how often it’s presented otherwise.
As of 2026-09, these figures are a snapshot. Without notice, payment providers revise their limits and fees, leaving the provider’s own page as the only current source.
How fast money actually moves
Maya settles wallet-to-wallet and InstaPay transfers clear in real time, while PESONet takes until the same banking day. An operator’s own review can delay a withdrawal before Maya receives it; that step belongs to the rail, not the casino, and it’s usually the source of the wait.
A per-transaction cap of At the Upgraded tier, PHP 20,000 per transaction applies to Maya-to-Maya transfers, while InstaPay transfers out max out at PHP 50,000 per day. applies, which is why a larger transfer sometimes has to be split.
Verification tiers
- Basic — Both the monthly wallet limit and the daily purchase limit sit at PHP 50,000. Neither sending to other Maya users nor bank transfers through InstaPay are available at this tier
- Upgraded — This step calls for a video selfie, valid ID, and verified address. A PHP 100,000 monthly wallet limit applies here, purchases can go up to PHP 100,000 daily, sends to a Maya user are capped at PHP 20,000 per transaction and PHP 100,000 per day, while InstaPay outbound sits at PHP 50,000 daily and PHP 100,000 monthly.
- Super Users — Daily purchase and send limits reach PHP 500,000 each, matching the PHP 500,000 monthly wallet limit. Maya has not published the requirements for qualifying an account into this tier
- Ultimate Users — PHP 5,000,000 applies both as the monthly wallet limit and as each daily purchase and send limit. Maya has not published the requirements for qualifying an account into this tier
The published ceiling of Monthly limits scale from PHP 50,000 at Basic through PHP 100,000 at Upgraded and PHP 500,000 for Super Users, up to PHP 5,000,000 for Ultimate Users. applies to the tier stated above, not to every account.
What Maya says about gambling transactions
No mention of gambling appears in Maya’s e-wallet terms and conditions, which were read directly and contain only general prohibitions on illegal activity and anti-money-laundering breaches. Under its CREDIT CARD terms, a separate product, ‘illegal gambling or unauthorized game of chance’ counts as a restricted transaction, carrying suspension or cancellation of the card as the stated consequence. In August 2025, under BSP Memorandum M-2025-029, Maya likewise took down its in-app gambling and gaming links. Confusing the two products would be a mistake, since a restriction inside a credit card agreement has no bearing on the wallet.
Paying with Maya at Hawkplay
- Sign in at Hawkplay and open the cashier.
- Maya can be found among the payment methods your account’s cashier lists — pick it there.
- Make sure the name on your Hawkplay account matches the name on your Maya account.
- The cashier screen shows the minimum, maximum and any fee — check these, then confirm the amount.
The cashier screen displays live limits for your account, worth reading before every first deposit with a new method.
Other payment rails explained here
- GCashthe Bangko Sentral ng Pilipinas, which licensed it as an Electronic Money Issuer
- GrabPaythe Bangko Sentral ng Pilipinas, which has licensed it as an Electronic Money Issuer since 2018
- InstaPaythe Bangko Sentral ng Pilipinas under its National Retail Payment System framework for real-time transfers
- PESONetthe Bangko Sentral ng Pilipinas under its National Retail Payment System framework for batch clearing
- Bank Transferthe Bangko Sentral ng Pilipinas under the National Retail Payment System framework it established through Circular No. 980
FAQ
Does Maya charge fees?
Published fees: Combined cash-in of up to PHP 8,000 a month through selected partners is free according to Maya's cash-in page, with 2 per cent charged past that point. Unlike the GCash schedule above, read directly, this figure was sourced from Maya's own site without being re-fetched during verification, so it counts for less.. Providers revise these without notice.
What is the Maya wallet limit?
Monthly limits scale from PHP 50,000 at Basic through PHP 100,000 at Upgraded and PHP 500,000 for Super Users, up to PHP 5,000,000 for Ultimate Users., at the tier the provider states. Lower tiers carry lower ceilings.
How do I pay with Maya at Hawkplay?
Once signed in, the cashier's list of methods for the account includes Maya, which can be selected. Before you confirm, match the name on both accounts and check the limits shown by the cashier.
How long does Maya take?
The rail settles wallet-to-wallet and InstaPay transfers clear in real time, while PESONet takes until the same banking day. A withdrawal typically waits longest at a distinct stage — the operator's own review before release.