JILI365 Payment Methods — Every Rail, Its Limits & Its Rules

Philippine payment rails are the subject of these pages, covering who runs them, what they are licensed as and what they publish about limits, fees and settlement. Payment figures get copied between affiliate sites more carelessly than almost anything else on the internet, so every figure here comes from the provider’s own domain or from a Bangko Sentral ng Pilipinas document. There are 6 pages below.

Everything in this section

6 pages in all, every one taking a single entry instead of summarising several. The entry’s own page explains who would have had to publish a field when it reads “not published” above.

Each entry in a paragraph

Each description says just enough to reveal which page is the one worth opening.

The InstaPay entry

Operator: Philippine Payments Management, Inc., which runs the automated clearing house with BSP overseeing it.

The field is marked not applicable instead of being left blank because the concept of a wallet limit does not apply to this rail.

InstaPay publishes no position on gambling transactions. Permission is not what that amounts to; merchant-category rules are routinely applied unpublished, so a payment may be declined when no public rule stands behind it.

Over-the-Counter Cash Agents, in detail

Operator: A collection of agent networks rather than a single operator, each independently owned and accredited by BSP separately, among them Philippine Seven Corporation’s CliQQ counters in 7-Eleven, Cebuana Lhuillier, M Lhuillier, Palawan Pawnshop and others, with every wallet and biller contracting each one on its own.

The field is marked not applicable instead of being left blank because the concept of a wallet limit does not apply to this rail.

On gambling transactions, Over-the-Counter Cash Agents states no position anywhere it publishes. Permission is not what that amounts to; merchant-category rules are routinely applied unpublished, so a payment may be declined when no public rule stands behind it.

GCash, in detail

Operator: A Mynt company, G-Xchange, Inc., jointly owned through a venture of Globe Fintech Innovations and Ayala Corporation.

Published limit: Measured at any given time, the limit is PHP 100,000 at Fully Verified.

On gambling: Nothing in GCash’s own terms and conditions bans gambling merchants across the board; the closest general clause prohibits pyramid and Ponzi schemes.

PESONet explained

Operator: Philippine Payments Management, Inc. sits in the operator’s seat, and the Philippine Clearing House Corporation was named its designated clearing switch operator.

The field is marked not applicable instead of being left blank because the concept of a wallet limit does not apply to this rail.

PESONet publishes no position on gambling transactions. Permission is not what that amounts to; merchant-category rules are routinely applied unpublished, so a payment may be declined when no public rule stands behind it.

The Debit and Credit Cards entry

Operator: For domestic debit it is BancNet, and for the international schemes Visa and Mastercard.

The field is marked not applicable instead of being left blank because the concept of a wallet limit does not apply to this rail.

On gambling: Sourcing a statement specific to the Philippines from BSP, Visa or Mastercard on gambling transactions was not possible.

Maya, in detail

Operator: Maya Philippines, Inc., which carried the name PayMaya Philippines before and Smart Money at the very start.

Published limit: The top monthly limit, PHP 5,000,000, is for Ultimate Users; Super Users have PHP 500,000, Upgraded has PHP 100,000 and Basic has PHP 50,000.

On gambling: We read Maya’s e-wallet terms and conditions directly and found general prohibitions on illegal activity and anti-money-laundering breaches, but no gambling clause.

The thing most often got wrong here

Comparing wallet limits as if each were one figure is a mistake. What GCash publishes is a ceiling on the balance held at any one time, whereas Maya publishes a monthly total. Because the two measure different things, any side-by-side table that puts PHP 100,000 next to PHP 100,000 as though they were the same is setting a bucket against a tap.

A page always spells out which one of the pair it is quoting. Holding money brings you to one kind of limit and moving it brings you to another, and formatting a table differently will never reconcile the two.

Payment methods details: check them in the game itself

Stale figures hit payment pages harder and sooner than any other part of a site like this. Rechecking any one of them is a matter of a couple of minutes:

1. Go to the provider’s own help centre and not to a comparison page. All three of GCash, Maya and Grab publish limits and terms on their own domains, and each has revised them within the last two years.
2. Look at the tier that a quoted limit is tied to. A new account sits on the bottom tier, yet almost every wallet figure in circulation is the top-tier number presented as if it applied to one.
3. If it is InstaPay or PESONet you are asking about, the BSP FAQ PDFs are the place to go, not a bank. Charges described on a bank’s own page are that bank’s alone, while the per-transaction cap and the question of who pays the fee are fixed at scheme level.
4. Whenever gambling and payments are the question, read the provider’s acceptable use policy from start to finish. Of everything these providers say, the clearest statement is GrabPay’s prohibition, which sits in its terms of service and not in a help article.
5. Read all figures on these pages as dated September 2026. This is exactly why every page names its source.

Where a casino lists its payment methods

1. Log in to the casino you play at and open its cashier or deposit screen.
2. Read the method list that screen shows for your account: a rail is on offer only where the list names it.
3. Match the name on the casino account to the name on your bank or wallet before any money moves.
4. Read the minimum, the maximum and any fee beside the method, then keep the reference number until the balance updates.

The method list on a cashier screen is the casino stating its own rails, so it outranks any page about payments, this one included.