Jili99 Maya — Limits, Fees & Settlement

This part is about Maya the payment method: its operator, its licence status, and what it publishes about limits and fees.

Maya at a glance

Field	Value
Operated by	Formerly Smart Money, then PayMaya Philippines, this entity is now Maya Philippines, Inc.
Regulated by	Bangko Sentral ng Pilipinas
Wallet limit	Basic accounts get PHP 50,000 monthly, Upgraded accounts get PHP 100,000, Super Users get PHP 500,000, and Ultimate Users top out at PHP 5,000,000.
Per-transaction cap	The Upgraded tier allows PHP 20,000 per transaction for Maya-to-Maya sends and a PHP 50,000 daily ceiling for outgoing InstaPay transfers.
Settlement	in real time when using InstaPay or wallet-to-wallet, but only by the same banking day for PESONet
Published fees	Maya’s cash-in page puts the free threshold for selected-partner cash-in at PHP 8,000 per month combined, charging 2 per cent on anything above it. The GCash schedule above was read directly and carries more weight than this figure, which comes from Maya’s own site and never got re-fetched during verification.

Maya states these as MONTHLY wallet limits. The ceiling GCash states applies to the balance held at any single point in time. These two numbers track different things entirely, so lining them up side by side tells you little, however common that comparison might be.

A snapshot recorded 2026-09 is shown here. Payment providers don’t announce changes to limits and fees, which is why the provider’s own page is the only current source.

What Maya says about gambling transactions

Having reviewed Maya’s e-wallet terms and conditions directly, there’s no clause on gambling, only general prohibitions against illegal activity and anti-money-laundering breaches. The stated consequence of ‘illegal gambling or unauthorized game of chance,’ listed as a restricted transaction in its separate CREDIT CARD terms, is suspension or cancellation of the card. Maya likewise complied with BSP Memorandum M-2025-029 from August 2025 by taking out its in-app gambling and gaming links. These two products aren’t the same, and that distinction matters: what a credit card agreement restricts says nothing about the wallet.

How fast money actually moves

Maya settles in real time when using InstaPay or wallet-to-wallet, but only by the same banking day for PESONet. The rail is what that describes, not the casino: an operator’s own review can hold a withdrawal before it reaches Maya, and waiting time usually comes from that review.

A per-transaction cap of The Upgraded tier allows PHP 20,000 per transaction for Maya-to-Maya sends and a PHP 50,000 daily ceiling for outgoing InstaPay transfers. applies, which is why a larger transfer sometimes has to be split.

Verification tiers

• Basic — Monthly wallet limit sits at PHP 50,000, matched by a PHP 50,000 daily purchase limit. Sending to other Maya users and InstaPay bank transfers are both off-limits at this tier.
• Upgraded — You’ll need a verified address, valid ID, and a video selfie to meet this requirement. Monthly wallet holdings max at PHP 100,000, with daily purchasing also capped at PHP 100,000; sending to a Maya user tops out at PHP 20,000 per transaction and PHP 100,000 daily, while InstaPay outflows are capped at PHP 50,000 per day and PHP 100,000 per month.
• Super Users — PHP 500,000 covers the monthly wallet cap as well as the daily limits for both purchases and sends. No published information from Maya explains what qualifies an account for this tier.
• Ultimate Users — The wallet caps out monthly at PHP 5,000,000, matched by PHP 5,000,000 daily limits on both purchases and sends. No published information from Maya explains what qualifies an account for this tier.

The published ceiling of Basic accounts get PHP 50,000 monthly, Upgraded accounts get PHP 100,000, Super Users get PHP 500,000, and Ultimate Users top out at PHP 5,000,000. applies to the tier stated above, not to every account.

Paying with Maya at Jili99

1. Sign in at Jili99 and open the cashier.
2. The cashier lists payment methods for your account — pick Maya from them.
3. Make sure the name on your Jili99 account matches the name on your Maya account.
4. Start by checking the minimum, maximum and any fee on the cashier screen, and finish by confirming the amount.

Your live account limits are shown on the cashier screen, so check it before each first deposit using a new method.