Gperya payment methods in the Philippines: the rails compared
GCash, Maya, InstaPay and PESONet — what each one costs and where each one stops.
Open Gperya →Four rails cover this market: GCash and Maya as wallets, InstaPay for real-time bank transfers up to ₱50,000 per instruction, and PESONet in same-banking-day batches above that. Entry amounts start around ₱100, and every rail enforces the same name-matching rule.
The four rails that matter locally
- GCash is the default wallet: a fully verified account holds up to ₱100,000 with a ₱100,000 daily transfer ceiling, and transfers to a merchant carry no wallet-side charge.
- Maya works the same way with tier-based ceilings — an upgraded account moves more than a basic one.
- InstaPay is the real-time bank rail, available 24 hours a day, capped at ₱50,000 per instruction.
- PESONet is the batch rail above that cap and settles on the banking day rather than instantly.
- Entry amounts start around ₱100 on all four rails, which is the practical floor of this market.
- Credit-card and crypto funding are not part of the domestic licensed-market flow; the wallet and bank rails above are what the cashier is built around.
Payment methods
GCash
| Type | Mobile e-wallet |
|---|---|
| Minimum | ₱100 is the usual entry amount on the wallet rail |
| Maximum | A fully verified wallet holds up to ₱100,000 and carries a ₱100,000 daily transfer ceiling |
| Deposit fee | The wallet does not charge for an in-app transfer to a merchant |
| Withdrawal fee | GCash charges 2% on over-the-counter cash-in above ₱8,000 in a calendar month |
| Processing time | Commonly credited within 15 to 120 minutes; busy evenings stretch further |
Step by step
- Open the cashier, choose the wallet rail and type the amount in Philippine pesos.
- Approve the transfer in the GCash app with your MPIN before the request expires.
- Keep the reference number until the balance has actually moved.
Maya
| Type | Mobile e-wallet |
|---|---|
| Minimum | ₱100 for a standard top-up, in line with the GCash rail |
| Maximum | Ceilings follow the wallet tier — an upgraded Maya account runs higher than a basic one |
| Deposit fee | No wallet-side charge on a transfer to a merchant account |
| Withdrawal fee | Cash-out to a bank or an outlet follows the wallet's own published table |
| Processing time | Commonly 1 to 3 hours end to end |
Step by step
- Pick the Maya rail and enter the mobile number the wallet is registered to.
- Approve the payment request inside the Maya app and keep the confirmation screen.
- Check the wallet history if nothing has moved within 3 hours.
InstaPay bank transfer
| Type | Real-time bank rail (BDO, BPI, Metrobank, UnionBank, Landbank) |
|---|---|
| Minimum | Bank apps commonly start at ₱100 per instruction |
| Maximum | ₱50,000 per single InstaPay instruction — larger amounts go by PESONet or in several parts |
| Deposit fee | Most banks charge ₱0 to ₱25 per instruction |
| Withdrawal fee | The same per-instruction schedule applies on the way out |
| Processing time | Real time, 24 hours a day, weekends and holidays included |
Step by step
- Copy the exact account name and number from the cashier — a mismatch is the top reject reason.
- Send the InstaPay instruction from your bank app and save the reference.
- Give that reference to support if the credit has not landed within 24 hours.
PESONet bank transfer
| Type | Batch bank rail for larger amounts |
|---|---|
| Minimum | Set by the sending bank, commonly ₱100 |
| Maximum | No ₱50,000 ceiling — this is the rail above the InstaPay limit |
| Deposit fee | Bank schedule, typically ₱0 to ₱50 per instruction |
| Withdrawal fee | Bank schedule; the receiving bank may add a posting fee |
| Processing time | Settles in batches on the same banking day; after cut-off it lands the next banking day |
Step by step
- Send the instruction before your bank's PESONet cut-off, usually early afternoon.
- Expect posting later that banking day rather than in real time.
- Plan weekend movements around the next banking day.
Choosing a rail by the amount, not by habit
For everyday amounts the wallets win on convenience: the transfer is approved inside the app, the merchant side charges nothing, and the money moves in minutes. Their limits are the constraint — a fully verified GCash wallet holds up to ₱100,000 and carries a daily transfer ceiling of the same ₱100,000, while a wallet that has not been upgraded stops far below that.
Above the wallet ceiling the bank rails take over. InstaPay is instant and capped at ₱50,000 per instruction; PESONet has no such cap but settles in batches. The sensible rule is to match the rail to the amount rather than to habit — and to keep the same rail on both directions, because a deposit and a withdrawal on matching rails are far less likely to trigger a manual review.
The name-matching rule, and why fees are not where you think
Every rail here is regulated as a payment account, and the account holder's name is the key that ties them together. If the ID, the wallet and the bank account do not carry the same name, a deposit may pass and the withdrawal will not — this asymmetry catches players who funded an account from a family member's wallet and only discover the problem when they try to cash out. Fix the name before the first deposit, never after a win.
Fees also sit at the rail rather than at the cashier. GCash charges 2% on over-the-counter cash-in above ₱8,000 in a calendar month, banks charge ₱0 to ₱25 for a typical InstaPay instruction and up to about ₱50 on PESONet, and none of that is set by an operator. Exit planning is on Withdrawals, and the cashier flow itself on Deposits.