Spinplus payment methods in the Philippines: the rails, the limits, the fees
GCash, Maya, InstaPay and PESONet compared — what each carries, what each costs, where each stops.
Open Spinplus →Four rails carry practically all player money in this market: the GCash and Maya wallets for speed, InstaPay for real-time bank transfers up to ₱50,000 per instruction, and PESONet for larger sums on batch timing. Fees belong to the rails, not to the cashier.
The four rails that matter locally
- GCash is the default wallet: ₱100,000 is both the balance ceiling and the daily transaction cap of a fully verified account.
- The wallet's own tariff applies 2% to over-the-counter cash-in above ₱8,000 in a calendar month — a fee of the rail, not of any cashier.
- Maya is the second wallet, with tier-dependent ceilings and typical end-to-end movement of 1 to 3 hours.
- InstaPay links the major banks — BDO, BPI, Metrobank, UnionBank, Landbank — in real time, 24 hours a day, capped at ₱50,000 per instruction.
- PESONet takes what InstaPay cannot: no ₱50,000 cap, batch settlement within the banking day, cut-off in the early afternoon at most banks.
- Per-instruction bank fees run ₱0 to ₱25 on InstaPay and up to about ₱50 on PESONet, depending on the bank's schedule.
Payment methods
GCash
| Type | Mobile e-wallet |
|---|---|
| Minimum | Top-ups on the wallet rail start from the market's usual ₱100 entry point |
| Maximum | ₱100,000 is both the balance ceiling and the daily transaction cap of a fully verified wallet |
| Deposit fee | An in-app transfer to a merchant account costs nothing on the wallet side |
| Withdrawal fee | Over-the-counter cash-in beyond ₱8,000 in one calendar month carries the wallet's 2% charge |
| Processing time | Credits typically land within 15 to 120 minutes; peak evenings can stretch to a full day |
Step by step
- Pick the wallet rail in the cashier and enter the amount in pesos.
- Approve the request in the GCash app with your MPIN before it times out.
- Save the reference number until the balance actually moves.
Maya
| Type | Mobile e-wallet |
|---|---|
| Minimum | ₱100 is the practical floor, the same as on the GCash rail |
| Maximum | Ceilings rise with the account tier — an upgraded Maya wallet carries more than a basic one |
| Deposit fee | No wallet-side charge on a merchant transfer |
| Withdrawal fee | Moving money out of Maya to a bank or outlet follows the wallet's own fee table |
| Processing time | End to end the rail usually takes 1 to 3 hours |
Step by step
- Select Maya in the cashier and give the mobile number tied to the wallet.
- Confirm the payment inside the Maya app and screenshot the confirmation.
- If nothing has moved after 3 hours, check the wallet history before contacting support.
InstaPay bank transfer
| Type | Real-time bank rail (BDO, BPI, Metrobank, UnionBank, Landbank) |
|---|---|
| Minimum | Most bank apps accept instructions from about ₱100 |
| Maximum | ₱50,000 per instruction is a network-level ceiling — larger sums must be split or sent by PESONet |
| Deposit fee | Banks charge between ₱0 and ₱25 per InstaPay instruction |
| Withdrawal fee | The same per-instruction schedule applies in the outbound direction |
| Processing time | Real time, around the clock, weekends and holidays included |
Step by step
- Copy the account name and number from the cashier exactly — a mismatch is the top rejection cause.
- Fire the InstaPay instruction from the bank app and keep the reference.
- Hand the reference to support if the credit is still missing after 24 hours.
PESONet bank transfer
| Type | Batch bank rail for larger amounts |
|---|---|
| Minimum | The sending bank sets it, commonly ₱100 |
| Maximum | No ₱50,000 cap — this is the rail for sums above the InstaPay ceiling |
| Deposit fee | Bank schedule, typically ₱0 to ₱50 per instruction |
| Withdrawal fee | Bank schedule; the receiving side may add a posting fee |
| Processing time | Batch settlement within the banking day; after the cut-off it posts the next banking day |
Step by step
- Send before the bank's PESONet cut-off, usually early afternoon.
- Expect posting later that banking day, not in real time.
- Instructions sent on a weekend settle on the next banking day — plan around it.
Choosing a rail by amount and urgency
For routine amounts the wallets win: GCash credits typically appear within 15 to 120 minutes and Maya within 1 to 3 hours, both from the market's usual ₱100 entry point. Their boundary is the wallet ceiling — ₱100,000 held and ₱100,000 moved per day on a fully verified GCash account — which is generous for deposits and tight for a large cash-out.
The bank rails divide the rest between them. InstaPay is real-time and runs on weekends and holidays but stops at ₱50,000 per instruction; PESONet has no such cap and settles in batches within the banking day, with an early-afternoon cut-off at most banks. Send after the cut-off — or on a Saturday — and the posting slides to the next banking day by design.
Where the fees actually live
Cashiers in this market usually advertise no fee, and that is often true of the cashier — the rail underneath still has a price list. GCash applies 2% to over-the-counter cash-in above ₱8,000 in a calendar month; banks charge ₱0 to ₱25 per InstaPay instruction and up to roughly ₱50 for PESONet. None of those lines appears in a lobby, which is why a transfer can cost money while the cashier shows zero.
One structural note: wallet apps removed direct gambling entries from their in-app catalogues in 2025, so funding runs as a standard transfer to the merchant account shown in the cashier. The exact sequence, and the failure causes around it, are on Deposits; the way back out is on Withdrawals.