PK111 Maya — Limits, Fees & Settlement

In Philippine casino discussion, Maya comes up constantly, though the figures attached to it usually originate with the casino, not Maya. The figures shown here are the provider’s own, as published.

Maya at a glance

Field	Value
Operated by	the entity now called Maya Philippines, Inc. was PayMaya Philippines before that, and Smart Money originally
Regulated by	As registered under Bangko Sentral ng Pilipinas, this carries Electronic Money Issuer and Operator of Payment System status.
Wallet limit	PHP 5,000,000 a month is available to Ultimate Users, PHP 500,000 to Super Users, PHP 100,000 at Upgraded, and just PHP 50,000 at Basic.
Per-transaction cap	The Upgraded tier permits PHP 50,000 daily for outgoing InstaPay transfers and PHP 20,000 per transaction sent to another Maya user.
Settlement	immediately for wallet-to-wallet or InstaPay, and only by the same banking day through PESONet
Published fees	Maya’s cash-in page sets the free threshold for selected-partner cash-in at a combined PHP 8,000 monthly, charging 2 per cent on the amount above it. This number, pulled from Maya’s own site but not re-fetched during verification, ranks below the GCash schedule above in reliability, since that one was read directly.

Maya states these as MONTHLY wallet limits. As stated by GCash, the ceiling reflects a balance held at any given time. These two numbers, measuring different things, don’t yield a meaningful side-by-side comparison, whatever how frequently that comparison gets made.

These are snapshot figures, recorded 2026-09. Fees and limits can change without notice at any payment provider, so its own page remains the only current source.

Verification tiers

• Basic — A monthly PHP 50,000 wallet cap runs alongside a PHP 50,000 daily purchase cap. At this tier, InstaPay bank transfers and transfers to other Maya users are both blocked
• Upgraded — You’ll need to provide a video selfie, valid ID, and a verified address. Caps at this level: PHP 100,000 for the monthly wallet, PHP 100,000 daily on purchases, PHP 20,000 per transaction and PHP 100,000 per day sending to a Maya user, plus PHP 50,000 per day and PHP 100,000 per month for InstaPay transfers out.
• Super Users — Both the monthly wallet cap and the daily purchase and send limits stand at PHP 500,000. no published source from Maya sets out what qualifies an account for this tier
• Ultimate Users — Daily limits of PHP 5,000,000 for purchases and sends pair with a PHP 5,000,000 monthly wallet limit. no published source from Maya sets out what qualifies an account for this tier

The published ceiling of PHP 5,000,000 a month is available to Ultimate Users, PHP 500,000 to Super Users, PHP 100,000 at Upgraded, and just PHP 50,000 at Basic. applies to the tier stated above, not to every account.

What Maya says about gambling transactions

Maya’s e-wallet terms and conditions, checked directly, hold no gambling clause — just general prohibitions covering illegal activity and anti-money-laundering breaches. Suspension or cancellation of the card is the stated consequence for ‘illegal gambling or unauthorized game of chance,’ a restricted transaction under its separate CREDIT CARD terms. Maya was another company covered by BSP Memorandum M-2025-029 in August 2025, and it removed in-app gambling and gaming links as a result. Because the two products differ, a limit written into a credit card agreement leaves the wallet unaffected.

How fast money actually moves

Maya settles immediately for wallet-to-wallet or InstaPay, and only by the same banking day through PESONet. Rather than the casino, it’s the rail that this describes: withdrawals can wait in an operator’s internal review ahead of Maya, and that’s typically where the delay originates.

A per-transaction cap of The Upgraded tier permits PHP 50,000 daily for outgoing InstaPay transfers and PHP 20,000 per transaction sent to another Maya user. applies, which is why a larger transfer sometimes has to be split.

Paying with Maya at PK111

1. Sign in at PK111 and open the cashier.
2. The cashier will list payment methods for your account; choose Maya there.
3. Make sure the name on your PK111 account matches the name on your Maya account.
4. Confirm the amount only after checking the minimum, maximum and any fee on the cashier screen.

Check the cashier screen before a first deposit with a new method, since it shows your account’s live limits.