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

Across these pages you will find a description of Philippine payment rails: their operators, their licence type, and their published position on limits, fees and settlement. Each figure is taken from the provider’s own domain or from a Bangko Sentral ng Pilipinas document, since payment figures get copied between affiliate sites with more carelessness than nearly anything else online.

Everything in this section

Each of the 3 pages deals with one entry on its own instead of rolling several together. When a field above shows “not published”, open the entry’s own page and it explains whose job it would have been to publish.

Each entry in a paragraph

Just enough on each one to tell you which page deserves to be opened.

GCash, in detail

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

Published limit: Fully Verified allows PHP 100,000, assessed at any given time.

On gambling: Where GCash’s own terms and conditions come closest is a general clause barring pyramid and Ponzi schemes, as they contain no blanket ban on gambling merchants.

Maya, in detail

Operator: Maya Philippines, Inc., whose earlier names were PayMaya Philippines and, originally, Smart Money.

Published limit: A Basic account sits at PHP 50,000, an Upgraded one at PHP 100,000 per month, a Super User at PHP 500,000 and an Ultimate User at PHP 5,000,000.

On gambling: Only general prohibitions on illegal activity and anti-money-laundering breaches turn up in Maya’s e-wallet terms and conditions, which were read directly, and no gambling clause.

Bank Transfer, in detail

Operator: Under BSP oversight, both clearing houses are run by Philippine Payments Management, Inc., whereas the transfers themselves are executed by individual BSP-supervised banks and e-money issuers.

Wallet limits do not apply to this rail at all, so the field is marked not applicable and is not left blank.

Gambling transactions get no stated position from Bank Transfer. That does not amount to permission, since merchant-category rules are often enforced without being published, and a payment may be declined even though no public rule stands behind it.

Verify payment methods details inside the game itself

Payment figures date faster than any other kind of content on a site like this. Each of them can be rechecked within a few minutes:

1. Comparison pages can wait; the place to start is the help centre the provider runs itself. GCash, Maya and Grab each publish limits and terms on their own domains, and each of the three has revised them within the past two years.
2. Work out which tier a quoted limit refers to. The top-tier number gets quoted as if a new account qualified for it in nearly every wallet figure out there, yet new accounts start on the bottom tier.
3. For InstaPay and PESONet, use the BSP FAQ PDFs and not a bank. Per-transaction caps and fee payers are decided at scheme level, so a bank’s page covers only the bank’s own charges.
4. Whenever gambling and payments overlap, go through the provider’s acceptable use policy from top to bottom. GrabPay’s ban sits in its terms of service and not in a help article, and it is the plainest statement any of these providers makes.
5. Date every figure on these pages September 2026 in your mind. For exactly that reason, each page names where its figure came from.

The thing most often got wrong here

Comparing wallet limits as if each were one clean number does not work. The cap GCash publishes covers how much balance you may hold at once, whereas Maya publishes a total per month. Different things are measured there, and tables that line up PHP 100,000 beside PHP 100,000 as though identical end up comparing a bucket to a tap.

The page tells you which of the two it is quoting. One is a limit you reach by keeping money and the other is a limit you reach by moving it, and no table formatting can reconcile them.

Using these payment methods at JILICC

1. Sign in at JILICC and open the cashier.
2. Choose one of the methods the cashier lists for your account, and read the limits it displays.
3. Make sure the name on your JILICC account matches the name on your bank or wallet.
4. Confirm the amount and hang on to the reference number until your balance updates.