LAKIWIN Maya — Limits, Fees & Settlement

The section below covers Maya as a payment method — who operates it, what licence it holds, and what it discloses about limits and fees.

Maya at a glance

Field	Value
Operated by	Maya Philippines, Inc. traces its lineage back through PayMaya Philippines to its original identity, Smart Money
Regulated by	Bangko Sentral ng Pilipinas
Wallet limit	Monthly ceilings start at PHP 50,000 for Basic accounts, rise to PHP 100,000 once Upgraded, reach PHP 500,000 for Super Users, and top out at PHP 5,000,000 for Ultimate Users
Per-transaction cap	The Upgraded tier limits transfers to another Maya user at PHP 20,000 each, and outgoing InstaPay transfers at PHP 50,000 daily
Settlement	wallet-to-wallet transfers and InstaPay both settle in real time, leaving PESONet to clear by the same banking day
Published fees	According to Maya’s own cash-in page, selected-partner cash-in stays free until a combined PHP 8,000 monthly figure, after which 2 per cent applies to whatever’s left over. Weight favours the directly read GCash schedule above over this figure, which traces to Maya’s own site but skipped re-fetching at verification.

Maya states these as MONTHLY wallet limits. According to GCash, that ceiling means whatever balance sits in the account at one moment, not a cumulative sum. However often it’s shown as one, no meaningful comparison exists between these two numbers, since each measures something different.

The numbers on this page were fixed at a single point in time, back in 2026-09. Since payment providers can quietly revise their limits and fees, checking the provider’s own page is the only way to stay current.

Verification tiers

• Basic — PHP 50,000 governs both limits here, the wallet monthly, purchases daily This tier closes off both InstaPay bank transfers and payments to other Maya users
• Upgraded — You’ll need to hand over a video selfie, valid ID and a verified address for this. The wallet caps at PHP 100,000 a month, daily purchases reach as high as PHP 100,000, sends to a Maya user max out at PHP 20,000 each and PHP 100,000 daily, and InstaPay outflow is bound by PHP 50,000 a day up to PHP 100,000 a month
• Super Users — The wallet’s cap runs PHP 500,000 a month, matched by a PHP 500,000 daily cap on purchases and sends alike. What gets an account into this tier is something Maya never publishes
• Ultimate Users — Monthly wallet room tops out at PHP 5,000,000, and each daily purchase-and-send limit matches that PHP 5,000,000 figure. What gets an account into this tier is something Maya never publishes

The published ceiling of Monthly ceilings start at PHP 50,000 for Basic accounts, rise to PHP 100,000 once Upgraded, reach PHP 500,000 for Super Users, and top out at PHP 5,000,000 for Ultimate Users applies to the tier stated above, not to every account.

What Maya says about gambling transactions

Going straight to Maya’s e-wallet terms and conditions turns up no clause on gambling, only broad prohibitions against illegal activity and anti-money-laundering breaches. As a distinct product, its CREDIT CARD terms name ‘illegal gambling or unauthorized game of chance’ a restricted transaction, stating suspension or cancellation of the card as the result. BSP Memorandum M-2025-029 covered Maya too, and by August 2025 it had stripped out its in-app gambling and gaming links in response. These two products differ, and that matters: what a credit card agreement restricts doesn’t restrict the wallet.

How fast money actually moves

Maya settles wallet-to-wallet transfers and InstaPay both settle in real time, leaving PESONet to clear by the same banking day. That’s about the rail rather than the casino — an operator can hold a withdrawal back for its own review before it reaches Maya, and that review is typically what causes the wait.

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

Paying with Maya at LAKIWIN

1. Once you’re signed in at LAKIWIN, pull up the cashier.
2. Select Maya among the payment methods your account’s cashier displays.
3. Make sure the name on your LAKIWIN account matches the name on your Maya account.
4. Once you’ve reviewed the cashier screen’s minimum, maximum and fee, go ahead and confirm the amount.

Before trying any payment method for the first time, glance at the cashier screen — your account’s live limits are listed there.