How long does Maya take?

The rail settles instantly for wallet-to-wallet or InstaPay transfers, with PESONet clearing by the same banking day. Before a withdrawal goes out, an operator conducts its own review — a separate step that typically takes more time.

Does Maya charge fees?

Published fees: Cash-in through selected partners stays free up to PHP 8,000 combined per month, per Maya's cash-in page, with a 2 per cent charge on the excess. This number traces to Maya's own site, yet it wasn't re-checked during verification, so it holds less weight than the directly read GCash schedule above.. Providers revise these without notice.

How do I pay with Maya at PH365?

After signing in and opening the cashier, choose Maya from your account's listed methods. Before you confirm, make sure both accounts share the same name and review the limits the cashier displays.

PH365 Maya: Fees + Hold Times

Ahead, the focus turns to Maya as a payment method — its operator, its licence, and the limits and fees it publishes.

Maya at a glance

Field	Value
Operated by	What began as Smart Money became PayMaya Philippines and is today Maya Philippines, Inc.
Regulated by	Bangko Sentral ng Pilipinas
Wallet limit	From a PHP 50,000 monthly limit at Basic, the ceiling rises through PHP 100,000 at Upgraded and PHP 500,000 for Super Users to PHP 5,000,000 for Ultimate Users
Per-transaction cap	PHP 20,000 per transaction for sends to another Maya user, PHP 50,000 per day for outgoing InstaPay transfers — limits that apply at the Upgraded tier
Settlement	instantly for wallet-to-wallet or InstaPay transfers, with PESONet clearing by the same banking day
Published fees	Cash-in through selected partners stays free up to PHP 8,000 combined per month, per Maya’s cash-in page, with a 2 per cent charge on the excess. This number traces to Maya’s own site, yet it wasn’t re-checked during verification, so it holds less weight than the directly read GCash schedule above.

Maya states these as MONTHLY wallet limits. According to GCash’s own wording, the ceiling means a balance held at any one time. Each of the two numbers tracks something distinct, which is why a side-by-side comparison of them carries no real meaning, however routinely it gets made.

These are point-in-time figures, dated 2026-09. Limits and fees at payment providers can change with no warning, leaving the provider’s own page as the sole up-to-date source.

How fast money actually moves

Maya settles instantly for wallet-to-wallet or InstaPay transfers, with PESONet clearing by the same banking day. That’s a fact about the rail, not the casino — an operator’s own pre-release review can delay a withdrawal before Maya sees it, and that review is typically what causes the wait.

A per-transaction cap of PHP 20,000 per transaction for sends to another Maya user, PHP 50,000 per day for outgoing InstaPay transfers — limits that apply at the Upgraded tier applies, which is why a larger transfer sometimes has to be split.

Verification tiers

Basic — PHP 50,000 is the figure attached to both limits here: the wallet’s monthly ceiling and the daily purchase ceiling. This tier rules out InstaPay bank transfers and sending funds to other Maya users alike
Upgraded — Providing a video selfie alongside valid ID and a verified address is what’s required. Sending to a Maya user is capped at PHP 20,000 per transaction and PHP 100,000 daily, the wallet holds PHP 100,000 monthly, purchases run to PHP 100,000 a day, and InstaPay out tops out at PHP 50,000 daily and PHP 100,000 monthly
Super Users — Daily purchase and send limits reach PHP 500,000 apiece, alongside a monthly wallet limit that’s also PHP 500,000. What an account needs to reach this tier isn’t published anywhere by Maya
Ultimate Users — A monthly wallet ceiling of PHP 5,000,000 comes with daily purchase and send limits also set at PHP 5,000,000. What an account needs to reach this tier isn’t published anywhere by Maya

The published ceiling of From a PHP 50,000 monthly limit at Basic, the ceiling rises through PHP 100,000 at Upgraded and PHP 500,000 for Super Users to PHP 5,000,000 for Ultimate Users applies to the tier stated above, not to every account.

What Maya says about gambling transactions

Checked directly, Maya’s e-wallet terms and conditions carry no gambling-specific clause, only broad prohibitions against illegal activity and anti-money-laundering violations. A separate CREDIT CARD product carries its own terms, where ‘illegal gambling or unauthorized game of chance’ is explicitly called out as a transaction that’s restricted, warning that suspension or cancellation of the card can follow. Maya’s compliance with BSP Memorandum M-2025-029 in August 2025 meant taking down in-app gambling and gaming links. Treating the two products as separate matters, because nothing a credit card agreement restricts applies to the wallet.

Paying with Maya at PH365

Sign in at PH365 and open the cashier.
Among the payment methods your account’s cashier lists, select Maya.
Make sure the name on your PH365 account matches the name on your Maya account.
Before confirming the amount, review the minimum, maximum and any fee shown on the cashier screen.

Before any first deposit through a new method, check the cashier screen, since it displays your account’s live limits.

PH365 Maya — Limits, Fees & Settlement