NICE88 Maya — Limits, Fees & Settlement

Maya as a payment method is the focus ahead — its operator, its licensing, and the limits and fees it publishes.

Maya at a glance

Field	Value
Operated by	PayMaya Philippines came between Smart Money and the current name, Maya Philippines, Inc.
Regulated by	Bangko Sentral ng Pilipinas
Wallet limit	From a Basic monthly cap of PHP 50,000, the scale climbs through PHP 100,000 at Upgraded and PHP 500,000 for Super Users to PHP 5,000,000 for Ultimate Users
Per-transaction cap	The Upgraded tier permits PHP 20,000 per transaction to another Maya user, alongside PHP 50,000 daily for InstaPay transfers out
Settlement	pESONet takes until the same banking day, while wallet-to-wallet and InstaPay clear in real time
Published fees	Cash-in via selected partners stays free up to PHP 8,000 combined monthly, says Maya’s cash-in page, with 2 per cent charged on the remainder. Not re-fetched at verification, this figure from Maya’s own site ranks below the GCash schedule above, which came from a direct read.

Maya states these as MONTHLY wallet limits. GCash characterises its ceiling as the balance held at any one given moment. The two numbers describe different things entirely, making any side-by-side reading of them essentially meaningless, however customary that reading is.

These figures are a snapshot, captured 2026-09. Limits and fees are subject to change at any payment provider with no advance warning, which makes checking that provider’s page directly the only reliable way to get current numbers.

Verification tiers

• Basic — A daily purchase limit of PHP 50,000 runs alongside a monthly wallet limit of the same PHP 50,000. Both sending to other Maya users and InstaPay bank transfers are locked out at this tier
• Upgraded — A verified address, valid ID and a video selfie are each required. PHP 100,000 monthly on the wallet, PHP 20,000 per transaction and PHP 100,000 per day sending to a Maya user, purchases up to PHP 100,000 daily, and InstaPay out at PHP 50,000 per day and PHP 100,000 per month
• Super Users — PHP 500,000 applies monthly to the wallet and daily to both purchases and sends. Maya has released no published guidance on what qualifies an account for this tier
• Ultimate Users — Daily purchases cap at PHP 5,000,000, daily sends cap at PHP 5,000,000, and the wallet’s monthly limit matches at PHP 5,000,000. Maya has released no published guidance on what qualifies an account for this tier

The published ceiling of From a Basic monthly cap of PHP 50,000, the scale climbs 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

No clause addressing gambling exists in Maya’s e-wallet terms and conditions once read directly, only general prohibitions on illegal activity and anti-money-laundering breaches. Should ‘illegal gambling or unauthorized game of chance’ occur, its separate CREDIT CARD terms list it as a restricted transaction carrying suspension or cancellation of the card. Covered by BSP Memorandum M-2025-029, Maya removed in-app gambling and gaming links starting August 2025. A restriction in a credit card agreement has no hold over the wallet, underscoring why the two products need to be told apart.

How fast money actually moves

Maya settles pESONet takes until the same banking day, while wallet-to-wallet and InstaPay clear in real time. That’s about the rail rather than the casino: before a withdrawal ever reaches Maya, an operator can sit on it for its own review, and that review is typically what accounts for the wait.

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

Paying with Maya at NICE88

1. Sign in at NICE88 and open the cashier.
2. Look through your account’s cashier menu and you’ll find Maya listed there as a payment option to select.
3. Make sure the name on your NICE88 account matches the name on your Maya account.
4. On the cashier screen, check the minimum, maximum and any fee before you confirm the amount.

Check your account’s live limits on the cashier screen before trying a new payment method for the very first time.