Payments FAQ — Maya, GoTyme, GCash, InstaPay & PESONet
A straight comparison of every way to move money in and out of 618JILI. If you are deciding between Maya, GoTyme and GCash, or wondering why a big withdrawal is split across days, the answers are here.
Every rail, side by side
E-wallets and digital banks ride the real-time InstaPay rail; PESONet is the batch rail for larger transfers. All amounts are peso-denominated with no currency conversion on domestic play.
| Method | Deposit | Withdrawal | Key limit / fee |
|---|---|---|---|
| GCash | Instant | Minutes to ~1 hr | Deposit day limit ₱100,000 · min ₱50 · cash-in free to ₱8,000/mo |
| Maya | Instant | Minutes to ~1–3 hrs | ~₱15 per outbound InstaPay transfer |
| GoTyme | Instant | Real-time to a few hrs | Free InstaPay transfers · BSP-licensed |
| InstaPay | Seconds | Minutes, 24/7 | ₱50,000 per txn · ₱500,000 per day |
| PESONet | Same/next banking day | Same/next banking day | Batch rail, better for large amounts |
Choosing the right rail
- Want the lowest cost: GoTyme, because incoming InstaPay transfers are free.
- Already live on GCash: fine for most cash-outs, just note the 12:00–03:00 PHT maintenance window and cash-in fees above ₱8,000/month.
- Cashing out more than ₱500,000: you will hit the InstaPay daily cap, so split across days or move the balance via PESONet or bank transfer.
- Depositing: GCash accepts as little as ₱50 and reflects in seconds, up to a ₱100,000 daily deposit limit.