JL3 Maya Casino Wallet: What Maya Itself Publishes
Maya is a Philippine payment rail — regulation: The authority is Bangko Sentral ng Pilipinas, with the entity holding Electronic Money Issuer status and registration as an Operator of Payment System.
Key facts and contents
- Operator
- Known today as Maya Philippines, Inc., it was PayMaya Philippines before and Smart Money at the start
- Regulator
- The authority is Bangko Sentral ng Pilipinas, with the entity holding Electronic Money Issuer status and registration as an Operator of Payment System
- Wallet limit
- Upgraded accounts get PHP 100,000 per month, Super Users PHP 500,000 and Ultimate Users PHP 5,000,000, against only PHP 50,000 at Basic
- Per-transaction cap
- For Upgraded accounts, a single transfer to another Maya user is capped at PHP 20,000
- Settlement
- wallet-to-wallet and InstaPay transfers go through on the spot, and PESONet ones within the same banking day
- Figures as of
- 2026-09
Maya is a payment rail in the Philippines; this page covers the rail itself, meaning its limits, how it settles and the fees it publishes, and not any casino’s cashier.
Maya at a glance
| Field | Value |
|---|---|
| Operated by | Known today as Maya Philippines, Inc., it was PayMaya Philippines before and Smart Money at the start |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | Upgraded accounts get PHP 100,000 per month, Super Users PHP 500,000 and Ultimate Users PHP 5,000,000, against only PHP 50,000 at Basic |
| Per-transaction cap | For Upgraded accounts, a single transfer to another Maya user is capped at PHP 20,000; outgoing InstaPay transfers are capped at PHP 50,000 per day |
| Settlement | wallet-to-wallet and InstaPay transfers go through on the spot, and PESONet ones within the same banking day |
| Published fees | Maya describes cash-in via selected partners on its cash-in page as free for a combined PHP 8,000 monthly, then 2 per cent on the excess. Compared with the GCash schedule above, which was read directly, this figure is a step weaker, since it is Maya’s own and was not pulled again during verification. |
Maya states these as MONTHLY wallet limits. Expressed by GCash, the ceiling is a holding balance at any particular time. A like-for-like comparison of the two is not possible because they capture different things, despite how often it is offered.
Readings on this page come from 2026-09 and are not updated continuously. For current limits and fees, use the provider’s own page alone, as payment providers revise them without notice.
How fast money actually moves
Maya settles wallet-to-wallet and InstaPay transfers go through on the spot, and PESONet ones within the same banking day. That covers the rail only; the casino can keep a withdrawal for internal review before it ever arrives at Maya, and that review is typically what creates the wait.
A per-transaction cap of For Upgraded accounts, a single transfer to another Maya user is capped at PHP 20,000; outgoing InstaPay transfers are capped at PHP 50,000 per day applies, which is why a larger transfer sometimes has to be split.
Verification tiers
- Basic — Limits: PHP 50,000 a month for the wallet and PHP 50,000 a day for purchases. With this tier, you cannot send money to other Maya users or make InstaPay bank transfers
- Upgraded — Expect to hand over a valid ID, a verified address and a video selfie. Ceilings are PHP 100,000 a month on the wallet and PHP 100,000 a day on purchases, with PHP 20,000 per transaction and PHP 100,000 per day for Maya-user sends, and PHP 50,000 per day and PHP 100,000 per month on InstaPay out
- Super Users — Purchases and sends each have a PHP 500,000 daily limit, alongside a PHP 500,000 monthly wallet limit. Nothing from Maya says what an account needs to reach this tier
- Ultimate Users — Purchases and sends are held to PHP 5,000,000 per day, with a monthly wallet limit of the same PHP 5,000,000. Nothing from Maya says what an account needs to reach this tier
The published ceiling of Upgraded accounts get PHP 100,000 per month, Super Users PHP 500,000 and Ultimate Users PHP 5,000,000, against only PHP 50,000 at Basic applies to the tier stated above, not to every account.
What Maya says about gambling transactions
A direct read of the e-wallet terms and conditions at Maya turned up general prohibitions on illegal activity and anti-money-laundering breaches but no gambling clause. Where the CREDIT CARD terms are concerned, a separate product, ‘illegal gambling or unauthorized game of chance’ counts as a restricted transaction and suspension or cancellation of the card is what the terms state will happen. Like other wallets, Maya was bound by BSP Memorandum M-2025-029 in August 2025 and took its in-app gambling and gaming links down. Card agreement restrictions and wallet restrictions are separate matters, and the difference between these products has real consequences.
Paying with Maya at JL3
- Log in to JL3, then open the cashier.
- From the payment methods in your account’s cashier, take Maya.
- Check that your JL3 account name is the same as the name on your Maya account.
- Make the cashier your first stop for limits (minimum and maximum) and fees, and confirm the amount afterwards.
What your account can deposit and withdraw is shown live in the cashier, so look there before trying a new method for the first time.
FAQ
How long does Maya take?
The rail settles wallet-to-wallet and InstaPay transfers go through on the spot, and PESONet ones within the same banking day. What the operator itself reviews before releasing a withdrawal is distinct from this, and it usually takes more time.
How can I pay with Maya on JL3?
Sign in, visit the cashier and tick Maya in the list of methods your account shows. Look at the limits the cashier displays, and make sure both accounts are in the same name, before confirming.
Who regulates Maya?
Maya — regulation: The authority is Bangko Sentral ng Pilipinas, with the entity holding Electronic Money Issuer status and registration as an Operator of Payment System. That covers the rail, not the casino.
What is the Maya wallet limit?
Upgraded accounts get PHP 100,000 per month, Super Users PHP 500,000 and Ultimate Users PHP 5,000,000, against only PHP 50,000 at Basic, at the tier the provider states. Lower tiers carry lower ceilings.