007JL Maya — Limits, Fees & Settlement
Maya is a Philippine payment rail — regulation: Bangko Sentral ng Pilipinas, where it is an Electronic Money Issuer and also a registered Operator of Payment System.
Key facts and contents
- Operator
- Maya Philippines, Inc., which used to be PayMaya Philippines and started life as Smart Money
- Regulator
- Bangko Sentral ng Pilipinas, where it is an Electronic Money Issuer and also a registered Operator of Payment System
- Wallet limit
- Basic begins at PHP 50,000, Upgraded allows PHP 100,000 per month, and the higher tiers give PHP 500,000 to Super Users and PHP 5,000,000 to Ultimate Users
- Per-transaction cap
- Under the Upgraded tier, one transaction to another Maya user may carry PHP 20,000, while InstaPay transfers out are held to PHP 50,000 per day
- Settlement
- with wallet-to-wallet and InstaPay transfers arriving in real time and PESONet on the same banking day
- Figures as of
- 2026-09
Figures that come from the casino rather than from Maya usually accompany the constant mentions of Maya in Philippine casino discussion. The figures used on this page are ones the provider has published itself.
Maya at a glance
| Field | Value |
|---|---|
| Operated by | Maya Philippines, Inc., which used to be PayMaya Philippines and started life as Smart Money |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | Basic begins at PHP 50,000, Upgraded allows PHP 100,000 per month, and the higher tiers give PHP 500,000 to Super Users and PHP 5,000,000 to Ultimate Users |
| Per-transaction cap | Under the Upgraded tier, one transaction to another Maya user may carry PHP 20,000, while InstaPay transfers out are held to PHP 50,000 per day |
| Settlement | with wallet-to-wallet and InstaPay transfers arriving in real time and PESONet on the same banking day |
| Published fees | According to Maya’s cash-in page, cash-in via selected partners costs nothing up to PHP 8,000 per month combined, with 2 per cent applying to the excess. Maya’s own site is the source of that figure, but it was not re-fetched during verification, which is why it carries less weight than the GCash schedule above, read directly. |
Maya states these as MONTHLY wallet limits. The ceiling, as GCash states it, is a balance held at any given time. A side-by-side comparison of the two numbers is not meaningful, since each measures something different, however often it is presented as one.
2026-09 is when the figures here were recorded, so read them as point-in-time. Only the provider’s own page is a current source, since payment providers change limits and fees without notice.
What Maya says about gambling transactions
A direct read of Maya’s e-wallet terms and conditions turns up no gambling clause, just broad bans on illegal activity and on anti-money-laundering breaches. A separate product, its CREDIT CARD, has terms that treat ‘illegal gambling or unauthorized game of chance’ as a restricted transaction and name suspension or cancellation of the card as the consequence. To comply with BSP Memorandum M-2025-029, which also applied to it in August 2025, Maya took out its in-app gambling and gaming links. Keep the two products apart: a restriction written into a credit card agreement does not restrict the wallet.
How fast money actually moves
Maya settles with wallet-to-wallet and InstaPay transfers arriving in real time and PESONet on the same banking day. This is about the rail rather than the casino, since an operator may hold a withdrawal for its own review before Maya ever sees it, and that review is typically the source of waiting time.
A per-transaction cap of Under the Upgraded tier, one transaction to another Maya user may carry PHP 20,000, while InstaPay transfers out are held to PHP 50,000 per day applies, which is why a larger transfer sometimes has to be split.
Verification tiers
- Basic — Purchases are limited to PHP 50,000 per day, and the wallet to PHP 50,000 per month. Neither bank transfers via InstaPay nor sending to other Maya users is available at this tier
- Upgraded — Applicants must provide valid ID, a verified address and a video selfie. Wallet limit of PHP 100,000 for each month; purchases of up to PHP 100,000 each day; Maya-user transfers of PHP 20,000 per single transaction and PHP 100,000 daily; InstaPay out of PHP 100,000 monthly and PHP 50,000 daily
- Super Users — The wallet is limited to PHP 500,000 per month, and daily purchases and sends are each limited to PHP 500,000. The requirements for qualifying an account for this tier are not published by Maya
- Ultimate Users — The wallet is limited to PHP 5,000,000 a month, and purchases and sends are each limited to PHP 5,000,000 a day. The requirements for qualifying an account for this tier are not published by Maya
The published ceiling of Basic begins at PHP 50,000, Upgraded allows PHP 100,000 per month, and the higher tiers give PHP 500,000 to Super Users and PHP 5,000,000 to Ultimate Users applies to the tier stated above, not to every account.
Paying with Maya at 007JL
- Sign in at 007JL and open the cashier.
- Maya is on the cashier’s list of payment methods for your account, so pick it from there.
- Make sure the name on your 007JL account matches the name on your Maya account.
- Read off the minimum, maximum and any fee on the cashier screen first, and lock in the amount afterwards.
Read the cashier screen before your first deposit with any new method, because it shows the live limits for your account.
FAQ
Who regulates Maya?
Maya — regulation: Bangko Sentral ng Pilipinas, where it is an Electronic Money Issuer and also a registered Operator of Payment System. That covers the rail, not the casino.
How long does Maya take?
The rail settles with wallet-to-wallet and InstaPay transfers arriving in real time and PESONet on the same banking day. A withdrawal also goes through the operator's own review before release, a separate step that usually takes longer.
How do I pay with Maya at 007JL?
Pick Maya from the methods the cashier lists for your account, after signing in and opening the cashier. Check that the name matches on both accounts and look at the limits shown in the cashier before confirming.
What is the Maya wallet limit?
Basic begins at PHP 50,000, Upgraded allows PHP 100,000 per month, and the higher tiers give PHP 500,000 to Super Users and PHP 5,000,000 to Ultimate Users, at the tier the provider states. Lower tiers carry lower ceilings.