LOVEJILI Maya — Limits, Fees & Settlement
Maya is a Philippine payment rail — regulation: Bangko Sentral ng Pilipinas holds this under two designations: Electronic Money Issuer and registered Operator of Payment System..
Key facts and contents
- Operator
- Smart Money became PayMaya Philippines, which is now Maya Philippines, Inc.
- Regulator
- Bangko Sentral ng Pilipinas
- Wallet limit
- Basic starts the scale at PHP 50,000 monthly, moving up to PHP 100,000 for Upgraded, PHP 500,000 for Super Users, and PHP 5,000,000 for Ultimate Users.
- Per-transaction cap
- Sending to another Maya user costs up to PHP 20,000 per transaction at the Upgraded tier, and InstaPay transfers out are limited to PHP 50,000 per day.
- Settlement
- instantly for InstaPay and wallet-to-wallet transfers, and by the same banking day when using PESONet
- Figures as of
- 2026-09
The section ahead covers Maya as a payment method: who operates it, its licensing, and what it publishes on limits and fees.
Maya at a glance
| Field | Value |
|---|---|
| Operated by | Smart Money became PayMaya Philippines, which is now Maya Philippines, Inc. |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | Basic starts the scale at PHP 50,000 monthly, moving up to PHP 100,000 for Upgraded, PHP 500,000 for Super Users, and PHP 5,000,000 for Ultimate Users. |
| Per-transaction cap | Sending to another Maya user costs up to PHP 20,000 per transaction at the Upgraded tier, and InstaPay transfers out are limited to PHP 50,000 per day. |
| Settlement | instantly for InstaPay and wallet-to-wallet transfers, and by the same banking day when using PESONet |
| Published fees | Per Maya’s cash-in page, cash-in through selected partners costs nothing up to a combined PHP 8,000 monthly, then 2 per cent on whatever exceeds that. Since it wasn’t re-fetched during verification, this figure from Maya’s own site holds less weight than the directly-read GCash schedule above. |
Maya states these as MONTHLY wallet limits. The ceiling GCash sets refers to the balance held at any given time, not a running total. However often it’s done, placing these two numbers side by side to compare them doesn’t mean much, since they measure different things entirely.
Recorded 2026-09, these figures are point-in-time. Limits and fees get revised by payment providers without notice, making the provider’s own page the only current source.
What Maya says about gambling transactions
Reading Maya’s e-wallet terms and conditions directly turned up no gambling clause, only broad bans on illegal activity and anti-money-laundering breaches. Listed as a restricted transaction in its separate CREDIT CARD terms is ‘illegal gambling or unauthorized game of chance,’ with suspension or cancellation of the card given as the consequence. BSP Memorandum M-2025-029 applied to Maya too, and in August 2025 it responded by removing in-app gambling and gaming links. These are two separate products, and that separation matters: a credit card agreement’s restriction doesn’t extend to the wallet.
How fast money actually moves
Maya settles instantly for InstaPay and wallet-to-wallet transfers, and by the same banking day when using PESONet. Waiting time typically traces back to an operator’s own pre-release review of a withdrawal — a rail-side step, not a casino one — which can happen before Maya ever sees it.
A per-transaction cap of Sending to another Maya user costs up to PHP 20,000 per transaction at the Upgraded tier, and InstaPay transfers out are limited to PHP 50,000 per day. applies, which is why a larger transfer sometimes has to be split.
Verification tiers
- Basic — PHP 50,000 caps the wallet each month, matched by a PHP 50,000 limit on daily purchases. This tier permits neither InstaPay bank transfers nor sending to other Maya users
- Upgraded — A video selfie, valid ID and a verified address are all needed. This tier sets a PHP 100,000 monthly wallet limit, allows purchases up to PHP 100,000 per day, caps Maya-user sends at PHP 20,000 per transaction and PHP 100,000 per day, and limits InstaPay out to PHP 50,000 per day and PHP 100,000 per month.
- Super Users — A monthly wallet limit of PHP 500,000 comes with daily purchase and send limits set at PHP 500,000 as well. The criteria that qualify an account for this tier are not published by Maya
- Ultimate Users — Monthly, the wallet limit is PHP 5,000,000, matching PHP 5,000,000 in daily purchase and send limits. The criteria that qualify an account for this tier are not published by Maya
The published ceiling of Basic starts the scale at PHP 50,000 monthly, moving up to PHP 100,000 for Upgraded, PHP 500,000 for Super Users, and PHP 5,000,000 for Ultimate Users. applies to the tier stated above, not to every account.
Paying with Maya at LOVEJILI
- Sign in at LOVEJILI and open the cashier.
- When your account’s payment methods come up at the cashier, Maya is one to pick.
- Make sure the name on your LOVEJILI account matches the name on your Maya account.
- On the cashier screen, review the minimum, maximum and any fee, then confirm the amount.
Before a first deposit with a new method, read the cashier screen, which shows your account’s live limits.
FAQ
How do I pay with Maya at LOVEJILI?
Maya can be picked from the account's cashier method list after signing in. Check that both accounts share the same name, then review the limits the cashier shows before you confirm.
How long does Maya take?
The rail settles instantly for InstaPay and wallet-to-wallet transfers, and by the same banking day when using PESONet. Separate from that, an operator's own review before releasing a withdrawal usually takes more time.
What is the Maya wallet limit?
Basic starts the scale at PHP 50,000 monthly, moving up to PHP 100,000 for Upgraded, PHP 500,000 for Super Users, and PHP 5,000,000 for Ultimate Users., at the tier the provider states. Lower tiers carry lower ceilings.
Does Maya charge fees?
Published fees: Per Maya's cash-in page, cash-in through selected partners costs nothing up to a combined PHP 8,000 monthly, then 2 per cent on whatever exceeds that. Since it wasn't re-fetched during verification, this figure from Maya's own site holds less weight than the directly-read GCash schedule above.. Providers revise these without notice.