JUAN365 Maya — Limits, Fees & Settlement
Maya is a Philippine payment rail — regulation: Registered with Bangko Sentral ng Pilipinas as an Operator of Payment System, and separately licensed there as an Electronic Money Issuer.
- Operator
- Once Smart Money, later renamed PayMaya Philippines, this business now goes by Maya Philippines, Inc.
- Regulator
- Registered with Bangko Sentral ng Pilipinas as an Operator of Payment System, and separately licensed there as an Electronic Money Issuer
- Wallet limit
- PHP 5,000,000 monthly opens up for Ultimate Users, well beyond the PHP 500,000 for Super Users, the PHP 100,000 for Upgraded accounts, and the PHP 50,000 baseline at Basic
- Per-transaction cap
- An Upgraded-tier account can push through PHP 20,000 in a single transfer to another Maya user, or PHP 50,000 across a day's worth of InstaPay transfers out
- Settlement
- instaPay and wallet-to-wallet transfers land at once, while PESONet takes until that same banking day
- Figures as of
- 2026-09
The section below covers Maya as a payment method — its operator, its licence type, and what it publishes on limits and fees.
Maya at a glance
| Field | Value |
|---|---|
| Operated by | Once Smart Money, later renamed PayMaya Philippines, this business now goes by Maya Philippines, Inc. |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | PHP 5,000,000 monthly opens up for Ultimate Users, well beyond the PHP 500,000 for Super Users, the PHP 100,000 for Upgraded accounts, and the PHP 50,000 baseline at Basic |
| Per-transaction cap | An Upgraded-tier account can push through PHP 20,000 in a single transfer to another Maya user, or PHP 50,000 across a day’s worth of InstaPay transfers out |
| Settlement | instaPay and wallet-to-wallet transfers land at once, while PESONet takes until that same banking day |
| Published fees | Maya’s cash-in page confirms that selected partners can cash in at no cost up to a combined PHP 8,000 a month, taxed 2 per cent thereafter. That number traces back to Maya’s own site and missed a re-fetch at verification, leaving it weaker than the GCash schedule above, read directly. |
Maya states these as MONTHLY wallet limits. The ceiling GCash names is a snapshot balance at a given moment, not a total built up over time. Because they measure two different things, lining these numbers up together produces a comparison without real substance, however customary that pairing has become.
Treat what’s shown here as a fixed snapshot dated 2026-09, not a live feed. Limits and fees change at a payment provider’s discretion without warning, so the provider’s own page remains the only up-to-date source.
How fast money actually moves
Maya settles instaPay and wallet-to-wallet transfers land at once, while PESONet takes until that same banking day. Blame the payment rail rather than the casino for this: an operator can sit on a withdrawal to run its own review before Maya ever gets it, and that internal review is normally what eats the clock.
A per-transaction cap of An Upgraded-tier account can push through PHP 20,000 in a single transfer to another Maya user, or PHP 50,000 across a day’s worth of InstaPay transfers out applies, which is why a larger transfer sometimes has to be split.
Verification tiers
- Basic — Each month brings a PHP 50,000 wallet limit, and each day brings a matching PHP 50,000 purchase limit. Neither route works at this tier: not InstaPay bank transfers, and not sending to other Maya users.
- Upgraded — A verified address is expected here, alongside valid ID and a video selfie. PHP 100,000 monthly for the wallet, PHP 100,000 daily for purchases, a Maya-user send bounded by PHP 20,000 per transaction and PHP 100,000 per day, and InstaPay out bounded by PHP 50,000 per day and PHP 100,000 per month
- Super Users — PHP 500,000 is the figure across the board here — monthly for the wallet, daily for purchases, daily for sends. How an account earns a spot in this tier isn’t disclosed anywhere by Maya
- Ultimate Users — Purchases and sends are each held to PHP 5,000,000 a day, matching the PHP 5,000,000 wallet limit set monthly. How an account earns a spot in this tier isn’t disclosed anywhere by Maya
The published ceiling of PHP 5,000,000 monthly opens up for Ultimate Users, well beyond the PHP 500,000 for Super Users, the PHP 100,000 for Upgraded accounts, and the PHP 50,000 baseline at Basic applies to the tier stated above, not to every account.
What Maya says about gambling transactions
No gambling clause exists in Maya’s e-wallet terms and conditions based on a direct reading; only general bans on illegal activity and anti-money-laundering breaches appear. Its CREDIT CARD terms sit apart as their own product, and within them ‘illegal gambling or unauthorized game of chance’ shows up as a restricted transaction carrying suspension or cancellation of the card. That same BSP Memorandum M-2025-029 caught up with Maya during August 2025, and its in-app gambling and gaming links disappeared as a result. The wallet operates outside whatever a credit card agreement restricts, which is precisely the gap worth keeping in mind between the two products.
Paying with Maya at JUAN365
- Sign in at JUAN365 and open the cashier.
- From the cashier’s list of payment methods for your account, choose Maya.
- Make sure the name on your JUAN365 account matches the name on your Maya account.
- The cashier screen’s numbers — minimum, maximum, any fee — need a check before you finalize the amount.
Live limits for your account appear on the cashier screen — check it before the first deposit through any new method.
FAQ
Who regulates Maya?
Maya — regulation: Registered with Bangko Sentral ng Pilipinas as an Operator of Payment System, and separately licensed there as an Electronic Money Issuer. That covers the rail, not the casino.
What is the Maya wallet limit?
PHP 5,000,000 monthly opens up for Ultimate Users, well beyond the PHP 500,000 for Super Users, the PHP 100,000 for Upgraded accounts, and the PHP 50,000 baseline at Basic, at the tier the provider states. Lower tiers carry lower ceilings.
How long does Maya take?
The rail settles instaPay and wallet-to-wallet transfers land at once, while PESONet takes until that same banking day. Apart from all that sits the operator's internal review ahead of releasing a withdrawal, typically the slowest link in the chain.
Does Maya charge fees?
Published fees: Maya's cash-in page confirms that selected partners can cash in at no cost up to a combined PHP 8,000 a month, taxed 2 per cent thereafter. That number traces back to Maya's own site and missed a re-fetch at verification, leaving it weaker than the GCash schedule above, read directly.. Providers revise these without notice.