188JILI Maya — Limits, Fees & Settlement
Maya is a Philippine payment rail — regulation: Licensed through Bangko Sentral ng Pilipinas in two roles, Electronic Money Issuer and registered Operator of Payment System.
Key facts and contents
- Operator
- Maya Philippines, Inc., an entity once known as PayMaya Philippines and originally as Smart Money
- Regulator
- Licensed through Bangko Sentral ng Pilipinas in two roles, Electronic Money Issuer and registered Operator of Payment System
- Wallet limit
- Capacity each month reads PHP 100,000 on Upgraded, against PHP 50,000 on Basic, and grows to PHP 500,000 for Super Users, then PHP 5,000,000 for Ultimate Users
- Per-transaction cap
- A PHP 50,000 daily limit applies to InstaPay transfers out, and a PHP 20,000 per-transaction limit to sends to another Maya user, both at the Upgraded tier
- Settlement
- transfers by wallet-to-wallet or InstaPay settle in real time, and PESONet ones settle the same banking day
- Figures as of
- 2026-09
This page covers Maya the payment rail. Nothing tied to a single operator’s cashier appears on this page by design, and the closing section lays out the reason.
Maya at a glance
| Field | Value |
|---|---|
| Operated by | Maya Philippines, Inc., an entity once known as PayMaya Philippines and originally as Smart Money |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | Capacity each month reads PHP 100,000 on Upgraded, against PHP 50,000 on Basic, and grows to PHP 500,000 for Super Users, then PHP 5,000,000 for Ultimate Users |
| Per-transaction cap | A PHP 50,000 daily limit applies to InstaPay transfers out, and a PHP 20,000 per-transaction limit to sends to another Maya user, both at the Upgraded tier |
| Settlement | transfers by wallet-to-wallet or InstaPay settle in real time, and PESONet ones settle the same banking day |
| Published fees | A combined PHP 8,000 per month of cash-in via selected partners is free, and 2 per cent is charged on the excess, Maya’s cash-in page states. Since it was not re-fetched during verification, that figure from Maya’s own site carries less weight than the GCash schedule above, which was read directly. |
Maya states these as MONTHLY wallet limits. For GCash, the ceiling is about the balance held at any one time. Since the two numbers each measure something else, a side-by-side comparison is not meaningful, whatever the frequency with which it is offered.
These figures are point-in-time snapshots, recorded 2026-09. Limits and fees get revised by payment providers with no notice, which makes the provider’s own page the one current source.
Verification tiers
- Basic — Purchases can reach PHP 50,000 a day, and the wallet can reach PHP 50,000 a month. Both options, bank transfers via InstaPay and sending to other Maya users, are unavailable at this tier
- Upgraded — This level asks for a video selfie plus valid ID and a verified address. Monthly wallet limit PHP 100,000, daily purchases to PHP 100,000, Maya user sends at PHP 20,000 per transaction and PHP 100,000 per day, InstaPay out PHP 50,000 per day and PHP 100,000 per month
- Super Users — Each month the wallet can handle PHP 500,000, and each day purchases and sends can reach PHP 500,000. The requirements for an account to qualify for this tier have not been published by Maya
- Ultimate Users — A limit of PHP 5,000,000 on the wallet for the month, and a PHP 5,000,000 daily limit on each of purchases and sends. The requirements for an account to qualify for this tier have not been published by Maya
The published ceiling of Capacity each month reads PHP 100,000 on Upgraded, against PHP 50,000 on Basic, and grows to PHP 500,000 for Super Users, then PHP 5,000,000 for Ultimate Users applies to the tier stated above, not to every account.
How fast money actually moves
Maya settles transfers by wallet-to-wallet or InstaPay settle in real time, and PESONet ones settle the same banking day. Waiting time usually comes from the operator’s own review of a withdrawal, which can happen before Maya is ever involved, so this describes the rail and not the casino.
A per-transaction cap of A PHP 50,000 daily limit applies to InstaPay transfers out, and a PHP 20,000 per-transaction limit to sends to another Maya user, both at the Upgraded tier applies, which is why a larger transfer sometimes has to be split.
What Maya says about gambling transactions
Read directly, Maya’s e-wallet terms and conditions include no gambling clause, only general prohibitions on illegal activity and anti-money-laundering breaches. For the CREDIT CARD, a separate product, the terms do list ‘illegal gambling or unauthorized game of chance’ as restricted, and the stated consequence is that the card gets suspended or cancelled. Maya, too, was subject to BSP Memorandum M-2025-029 in August 2025, and it accordingly removed in-app gambling and gaming links. Card and wallet are different products, and a restriction in the card’s agreement does not limit the wallet.
Paying with Maya at 188JILI
- Open the cashier after signing in at 188JILI.
- Your cashier shows a list of payment methods for your account; choose Maya from it.
- Make sure the name on your 188JILI account matches the name on your Maya account.
- Confirm the amount last: before that, read the minimum, the maximum and any fee shown on the cashier screen.
Because the cashier screen shows the live limits for your account, read it ahead of any first deposit with a new method.
FAQ
How long does Maya take?
The rail settles transfers by wallet-to-wallet or InstaPay settle in real time, and PESONet ones settle the same banking day. Releasing a withdrawal also depends on the operator's own review, a separate stage that usually takes longer.
What is the Maya wallet limit?
Capacity each month reads PHP 100,000 on Upgraded, against PHP 50,000 on Basic, and grows to PHP 500,000 for Super Users, then 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 188JILI?
Maya is the method to pick once you have signed in and opened the cashier, from the list it gives for your account. Check the limits the cashier shows before you confirm, and make sure both accounts carry the same name.
Does Maya charge fees?
Published fees: A combined PHP 8,000 per month of cash-in via selected partners is free, and 2 per cent is charged on the excess, Maya's cash-in page states. Since it was not re-fetched during verification, that figure from Maya's own site carries less weight than the GCash schedule above, which was read directly.. Providers revise these without notice.