LUCKY KING Maya — Limits, Fees & Settlement
Maya is a Philippine payment rail — regulation: Bangko Sentral ng Pilipinas licenses it as an Electronic Money Issuer while also registering it as an Operator of Payment System.
| Fact | Value |
|---|---|
| Operator | Known today as Maya Philippines, Inc., this company was PayMaya Philippines before that and Smart Money at its start |
| Regulator | Bangko Sentral ng Pilipinas licenses it as an Electronic Money Issuer while also registering it as an Operator of Payment System |
| Wallet limit | Monthly ceilings climb tier by tier: PHP 50,000 at Basic, up to PHP 100,000 at Upgraded, PHP 500,000 for Super Users, topping out at PHP 5,000,000 for Ultimate Users. |
| Per-transaction cap | The Upgraded tier permits sending PHP 20,000 per transaction to another Maya user and moving PHP 50,000 per day out via InstaPay |
| Settlement | same banking day covers PESONet, real time covers wallet-to-wallet and InstaPay transfers |
| Figures as of | 2026-09 |
As a Philippine payment rail, Maya is what this page describes — its limits, settlement behaviour and published fees — not any casino’s cashier.
Maya at a glance
| Field | Value |
|---|---|
| Operated by | Known today as Maya Philippines, Inc., this company was PayMaya Philippines before that and Smart Money at its start |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | Monthly ceilings climb tier by tier: PHP 50,000 at Basic, up to PHP 100,000 at Upgraded, PHP 500,000 for Super Users, topping out at PHP 5,000,000 for Ultimate Users. |
| Per-transaction cap | The Upgraded tier permits sending PHP 20,000 per transaction to another Maya user and moving PHP 50,000 per day out via InstaPay |
| Settlement | same banking day covers PESONet, real time covers wallet-to-wallet and InstaPay transfers |
| Published fees | Cash-in through selected partners stays free up to a combined PHP 8,000 monthly, with 2 per cent charged beyond that, according to Maya’s cash-in page. Verification never re-pulled this number from Maya’s own site, so it ranks below the GCash schedule above, which came from a direct reading. |
Maya states these as MONTHLY wallet limits. GCash defines its stated ceiling using the balance held at any given time, not a cumulative figure. These two figures track different things entirely, so setting them side by side, however common that is, tells you little.
These numbers were captured at one moment, 2026-09. Limits and fees at any payment provider can shift with no warning, leaving that provider’s own page as the single place to find what’s current.
Verification tiers
- Basic — PHP 50,000 caps the wallet every month, and the same PHP 50,000 caps purchases every day. This tier offers neither InstaPay bank transfers nor the ability to send to other Maya users.
- Upgraded — A video selfie together with valid ID and a verified address makes up the requirement. This level runs PHP 100,000 monthly for the wallet, PHP 100,000 daily for purchases, PHP 20,000 per transaction and PHP 100,000 per day sending to a Maya user, and PHP 50,000 per day up to PHP 100,000 per month for InstaPay transfers out
- Super Users — The wallet won’t exceed PHP 500,000 a month, and daily purchase and send activity share the same PHP 500,000 limit. Maya has never made public the requirements that qualify an account for this tier.
- Ultimate Users — The wallet allows PHP 5,000,000 monthly, and daily limits for both purchases and sends also sit at PHP 5,000,000. Maya has never made public the requirements that qualify an account for this tier.
The published ceiling of Monthly ceilings climb tier by tier: PHP 50,000 at Basic, up to PHP 100,000 at Upgraded, PHP 500,000 for Super Users, topping 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
A direct reading of Maya’s e-wallet terms and conditions turns up nothing on gambling specifically — just broad prohibitions against illegal activity and anti-money-laundering violations. As a separate product, its CREDIT CARD terms class ‘illegal gambling or unauthorized game of chance’ as restricted, threatening suspension or cancellation of the card. BSP Memorandum M-2025-029 covered Maya too, and by August 2025 it had taken its in-app gambling and gaming links down. The wallet doesn’t inherit restrictions written into a credit card agreement, which is exactly why the two products should be kept distinct.
How fast money actually moves
Maya settles same banking day covers PESONet, real time covers wallet-to-wallet and InstaPay transfers. Blame the rail, not the casino, for this one — an operator can sit on a withdrawal for its own review before Maya ever receives it, and that review is typically what accounts for the delay.
A per-transaction cap of The Upgraded tier permits sending PHP 20,000 per transaction to another Maya user and moving PHP 50,000 per day out via InstaPay applies, which is why a larger transfer sometimes has to be split.
Paying with Maya at LUCKY KING
- Sign in at LUCKY KING and open the cashier.
- Choose Maya among the payment methods your cashier displays for your account.
- Make sure the name on your LUCKY KING account matches the name on your Maya account.
- The cashier screen lists minimum, maximum and fee details, so review them, then lock in the amount.
Your account’s live limits appear on the cashier screen, worth a look ahead of any new method’s first deposit.
FAQ
What is the Maya wallet limit?
Monthly ceilings climb tier by tier: PHP 50,000 at Basic, up to PHP 100,000 at Upgraded, PHP 500,000 for Super Users, topping out at PHP 5,000,000 for Ultimate Users., at the tier the provider states. Lower tiers carry lower ceilings.
Who regulates Maya?
Maya — regulation: Bangko Sentral ng Pilipinas licenses it as an Electronic Money Issuer while also registering it as an Operator of Payment System. That covers the rail, not the casino.
How do I pay with Maya at LUCKY KING?
Log in, head to the cashier, and choose Maya from the listed methods for your account. The cashier's stated limits are worth a look, and the names on both accounts need to line up, before you confirm.
Does Maya charge fees?
Published fees: Cash-in through selected partners stays free up to a combined PHP 8,000 monthly, with 2 per cent charged beyond that, according to Maya's cash-in page. Verification never re-pulled this number from Maya's own site, so it ranks below the GCash schedule above, which came from a direct reading.. Providers revise these without notice.
Other payment rails explained here
| Guide | What it covers |
|---|---|
| GCash | Bangko Sentral ng Pilipinas is the licensing authority behind this Electronic Money Issuer status |
| GrabPay | Licensed since 2018 as an Electronic Money Issuer, a status Bangko Sentral ng Pilipinas granted |
| PESONet | Bangko Sentral ng Pilipinas, whose remit covers this by way of its framework for the National Retail Payment System |
| Bank Transfer | Bangko Sentral ng Pilipinas, governed by the National Retail Payment System framework that traces back to Circular No. 980 |
| Over-the-Counter Cash Agents | Regulated as money service businesses through Bangko Sentral ng Pilipinas, with the Anti-Money Laundering Act also in force |