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Transfer Fees
PayMaya Charges & Fees (Maya) — Philippines 2026 Guide

Know the most common PayMaya (Maya) fees: cash‑in convenience charges, transfer costs, ATM withdrawals, FX fees, and merchant MDR.

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ATM Withdrawal Fees
Foreign Transaction Fees

Cash‑in convenience fees at partner outlets are often around 2–3%. Maya Center fees are commonly described as about ₱2 per ₱100 (≈2%).

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Transfers: Maya‑to‑Maya is commonly free. InstaPay transfers are often around ₱15 per transaction; PESONet fees are sometimes waived depending on policy.

International usage can include a foreign exchange conversion fee (often cited at 1.75%). International ATM withdrawals may add a fixed fee plus FX.

Maya Credit may charge a service fee (sometimes from 3.99%, variable) and late penalties on overdue balances.

Maya Credit Fees
Maya Credit may charge a service fee (sometimes from 3.99%, variable) and late penalties on overdue balances.

Maya Business fees can include MDR, with commonly referenced starting points around 1.5% for Maya QR and around 3.5% for card terminal acceptance.

Always confirm current fees inside the Maya app or official help pages before making large transactions.

PayMaya vs PayPal
PayMaya is not PayPal. PayMaya (now Maya) is a Philippine wallet/bank app; PayPal is a different global payments platform.

Always confirm current fees inside the Maya app or official help pages before making large transactions.

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Explore the detailed pages below for each fee type, examples, and practical ways to reduce costs.

Tip: before confirming a cash‑in, look for a fee preview or receipt line showing the exact convenience fee charged by the outlet.

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0 Tip: for transfers, the fee can depend on the rail you choose (InstaPay vs PESONet). If a fee is shown, it applies per transaction.
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0 Tip: for FX and international withdrawals, total cost may include both Maya’s fee and the ATM operator’s fee.
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Tip: for transfers, the fee can depend on the rail you choose (InstaPay vs PESONet). If a fee is shown, it applies per transaction.

Tip: for FX and international withdrawals, total cost may include both Maya’s fee and the ATM operator’s fee.

PayMaya Charges & Fees (Maya) — Philippines 2026 Guide

Know the most common PayMaya (Maya) fees: cash‑in convenience charges, transfer costs, ATM withdrawals, FX fees, and merchant MDR.

Cash Out Fees
International usage can include a foreign exchange conversion fee (often cited at 1.75%). International ATM withdrawals may add a fixed fee plus FX.

Maya Credit may charge a service fee (sometimes from 3.99%, variable) and late penalties on overdue balances.

Transfer Fees
Always confirm current fees inside the Maya app or official help pages before making large transactions.

Explore the detailed pages below for each fee type, examples, and practical ways to reduce costs.

ATM Withdrawal Fees
Tip: for FX and international withdrawals, total cost may include both Maya’s fee and the ATM operator’s fee.

PayMaya Charges & Fees (Maya) — Philippines 2026 Guide

Foreign Transaction Fees
Transfers: Maya‑to‑Maya is commonly free. InstaPay transfers are often around ₱15 per transaction; PESONet fees are sometimes waived depending on policy.

International usage can include a foreign exchange conversion fee (often cited at 1.75%). International ATM withdrawals may add a fixed fee plus FX.

Maya Credit Fees
PayMaya is not PayPal. PayMaya (now Maya) is a Philippine wallet/bank app; PayPal is a different global payments platform.

Always confirm current fees inside the Maya app or official help pages before making large transactions.

Maya Business MDR

PayMaya Charges & Fees (Maya) — Philippines 2026 Guide

Tip: for transfers, the fee can depend on the rail you choose (InstaPay vs PESONet). If a fee is shown, it applies per transaction.

Tip: for FX and international withdrawals, total cost may include both Maya’s fee and the ATM operator’s fee.
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PayMaya Charges & Fees (Maya) — Philippines 2026 Guide
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Know the most common PayMaya (Maya) fees: cash‑in convenience charges, transfer costs, ATM withdrawals, FX fees, and merchant MDR.
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Cash‑in convenience fees at partner outlets are often around 2–3%. Maya Center fees are commonly described as about ₱2 per ₱100 (≈2%).
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Shot of two young workers using a digital tablet in a modern office
Know the most common PayMaya (Maya) fees: cash‑in convenience charges, transfer costs, ATM withdrawals, FX fees, and merchant MDR.

Cash‑in convenience fees at partner outlets are often around 2–3%. Maya Center fees are commonly described as about ₱2 per ₱100 (≈2%).

Transfers: Maya‑to‑Maya is commonly free. InstaPay transfers are often around ₱15 per transaction; PESONet fees are sometimes waived depending on policy.

International usage can include a foreign exchange conversion fee (often cited at 1.75%). International ATM withdrawals may add a fixed fee plus FX.

PayMaya vs PayPal
PayMaya is not PayPal. PayMaya (now Maya) is a Philippine wallet/bank app; PayPal is a different global payments platform.

Always confirm current fees inside the Maya app or official help pages before making large transactions.

FAQ
Tip: for transfers, the fee can depend on the rail you choose (InstaPay vs PESONet). If a fee is shown, it applies per transaction.

Tip: for FX and international withdrawals, total cost may include both Maya’s fee and the ATM operator’s fee.

Cash In Fees
Cash‑in convenience fees at partner outlets are often around 2–3%. Maya Center fees are commonly described as about ₱2 per ₱100 (≈2%).

Transfers: Maya‑to‑Maya is commonly free. InstaPay transfers are often around ₱15 per transaction; PESONet fees are sometimes waived depending on policy.

Cash Out Fees

Transfers: Maya‑to‑Maya is commonly free. InstaPay transfers are often around ₱15 per transaction; PESONet fees are sometimes waived depending on policy.

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Transfer Fees
Maya Business fees can include MDR, with commonly referenced starting points around 1.5% for Maya QR and around 3.5% for card terminal acceptance.

PayMaya is not PayPal. PayMaya (now Maya) is a Philippine wallet/bank app; PayPal is a different global payments platform.

Always confirm current fees inside the Maya app or official help pages before making large transactions.

Explore the detailed pages below for each fee type, examples, and practical ways to reduce costs.

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ATM Withdrawal Fees
Tip: before confirming a cash‑in, look for a fee preview or receipt line showing the exact convenience fee charged by the outlet.

Tip: for transfers, the fee can depend on the rail you choose (InstaPay vs PESONet). If a fee is shown, it applies per transaction.

Tip: for FX and international withdrawals, total cost may include both Maya’s fee and the ATM operator’s fee.

Foreign Transaction Fees
International usage can include a foreign exchange conversion fee (often cited at 1.75%). International ATM withdrawals may add a fixed fee plus FX.

Maya Credit may charge a service fee (sometimes from 3.99%, variable) and late penalties on overdue balances.

Cash‑in convenience fees at partner outlets are often around 2–3%. Maya Center fees are commonly described as about ₱2 per ₱100 (≈2%).

Transfers: Maya‑to‑Maya is commonly free. InstaPay transfers are often around ₱15 per transaction; PESONet fees are sometimes waived depending on policy.

bottle of essential massage oil on stone - beauty treatment. Minimal Black design packaging mock up
International usage can include a foreign exchange conversion fee (often cited at 1.75%). International ATM withdrawals may add a fixed fee plus FX.

Maya Credit may charge a service fee (sometimes from 3.99%, variable) and late penalties on overdue balances.

Maya Business fees can include MDR, with commonly referenced starting points around 1.5% for Maya QR and around 3.5% for card terminal acceptance.

PayMaya is not PayPal. PayMaya (now Maya) is a Philippine wallet/bank app; PayPal is a different global payments platform.

Always confirm current fees inside the Maya app or official help pages before making large transactions.

Explore the detailed pages below for each fee type, examples, and practical ways to reduce costs.

Tip: before confirming a cash‑in, look for a fee preview or receipt line showing the exact convenience fee charged by the outlet.

Tip: for transfers, the fee can depend on the rail you choose (InstaPay vs PESONet). If a fee is shown, it applies per transaction.

Tip: for FX and international withdrawals, total cost may include both Maya’s fee and the ATM operator’s fee.

Maya Credit Fees
Cash‑in convenience fees at partner outlets are often around 2–3%. Maya Center fees are commonly described as about ₱2 per ₱100 (≈2%).

Transfers: Maya‑to‑Maya is commonly free. InstaPay transfers are often around ₱15 per transaction; PESONet fees are sometimes waived depending on policy.

Man in white high top shoes standing on chair
International usage can include a foreign exchange conversion fee (often cited at 1.75%). International ATM withdrawals may add a fixed fee plus FX.

Maya Credit may charge a service fee (sometimes from 3.99%, variable) and late penalties on overdue balances.

Maya Business fees can include MDR, with commonly referenced starting points around 1.5% for Maya QR and around 3.5% for card terminal acceptance.

PayMaya is not PayPal. PayMaya (now Maya) is a Philippine wallet/bank app; PayPal is a different global payments platform.

Always confirm current fees inside the Maya app or official help pages before making large transactions.

Explore the detailed pages below for each fee type, examples, and practical ways to reduce costs.

Tip: before confirming a cash‑in, look for a fee preview or receipt line showing the exact convenience fee charged by the outlet.

Tip: for transfers, the fee can depend on the rail you choose (InstaPay vs PESONet). If a fee is shown, it applies per transaction.

Tip: for FX and international withdrawals, total cost may include both Maya’s fee and the ATM operator’s fee.

Maya Business MDR
Cash‑in convenience fees at partner outlets are often around 2–3%. Maya Center fees are commonly described as about ₱2 per ₱100 (≈2%).

Transfers: Maya‑to‑Maya is commonly free. InstaPay transfers are often around ₱15 per transaction; PESONet fees are sometimes waived depending on policy.

Laptop Mockup in Living Room
International usage can include a foreign exchange conversion fee (often cited at 1.75%). International ATM withdrawals may add a fixed fee plus FX.

Maya Credit may charge a service fee (sometimes from 3.99%, variable) and late penalties on overdue balances.

Maya Business fees can include MDR, with commonly referenced starting points around 1.5% for Maya QR and around 3.5% for card terminal acceptance.

PayMaya is not PayPal. PayMaya (now Maya) is a Philippine wallet/bank app; PayPal is a different global payments platform.

Always confirm current fees inside the Maya app or official help pages before making large transactions.

Explore the detailed pages below for each fee type, examples, and practical ways to reduce costs.

Tip: before confirming a cash‑in, look for a fee preview or receipt line showing the exact convenience fee charged by the outlet.

Tip: for transfers, the fee can depend on the rail you choose (InstaPay vs PESONet). If a fee is shown, it applies per transaction.

Tip: for FX and international withdrawals, total cost may include both Maya’s fee and the ATM operator’s fee.

PayMaya vs PayPal
Cash‑in convenience fees at partner outlets are often around 2–3%. Maya Center fees are commonly described as about ₱2 per ₱100 (≈2%).

Transfers: Maya‑to‑Maya is commonly free. InstaPay transfers are often around ₱15 per transaction; PESONet fees are sometimes waived depending on policy.

Laptop screen mockup
International usage can include a foreign exchange conversion fee (often cited at 1.75%). International ATM withdrawals may add a fixed fee plus FX.

Maya Credit may charge a service fee (sometimes from 3.99%, variable) and late penalties on overdue balances.

Maya Business fees can include MDR, with commonly referenced starting points around 1.5% for Maya QR and around 3.5% for card terminal acceptance.

PayMaya is not PayPal. PayMaya (now Maya) is a Philippine wallet/bank app; PayPal is a different global payments platform.

Always confirm current fees inside the Maya app or official help pages before making large transactions.

Explore the detailed pages below for each fee type, examples, and practical ways to reduce costs.

Tip: before confirming a cash‑in, look for a fee preview or receipt line showing the exact convenience fee charged by the outlet.

Tip: for transfers, the fee can depend on the rail you choose (InstaPay vs PESONet). If a fee is shown, it applies per transaction.

Tip: for FX and international withdrawals, total cost may include both Maya’s fee and the ATM operator’s fee.

FAQ
Cash‑in convenience fees at partner outlets are often around 2–3%. Maya Center fees are commonly described as about ₱2 per ₱100 (≈2%).

Transfers: Maya‑to‑Maya is commonly free. InstaPay transfers are often around ₱15 per transaction; PESONet fees are sometimes waived depending on policy.

Creative photo of a modern bottle of perfume
International usage can include a foreign exchange conversion fee (often cited at 1.75%). International ATM withdrawals may add a fixed fee plus FX.

Maya Credit may charge a service fee (sometimes from 3.99%, variable) and late penalties on overdue balances.

Maya Business fees can include MDR, with commonly referenced starting points around 1.5% for Maya QR and around 3.5% for card terminal acceptance.

PayMaya is not PayPal. PayMaya (now Maya) is a Philippine wallet/bank app; PayPal is a different global payments platform.

Always confirm current fees inside the Maya app or official help pages before making large transactions.

Explore the detailed pages below for each fee type, examples, and practical ways to reduce costs.

Tip: before confirming a cash‑in, look for a fee preview or receipt line showing the exact convenience fee charged by the outlet.

Tip: for transfers, the fee can depend on the rail you choose (InstaPay vs PESONet). If a fee is shown, it applies per transaction.

Tip: for FX and international withdrawals, total cost may include both Maya’s fee and the ATM operator’s fee.

Cash In Fees
Cash‑in convenience fees at partner outlets are often around 2–3%. Maya Center fees are commonly described as about ₱2 per ₱100 (≈2%).

Transfers: Maya‑to‑Maya is commonly free. InstaPay transfers are often around ₱15 per transaction; PESONet fees are sometimes waived depending on policy.

3D illustration Mockup photo frame in living room rendering
International usage can include a foreign exchange conversion fee (often cited at 1.75%). International ATM withdrawals may add a fixed fee plus FX.

Maya Credit may charge a service fee (sometimes from 3.99%, variable) and late penalties on overdue balances.

Maya Business fees can include MDR, with commonly referenced starting points around 1.5% for Maya QR and around 3.5% for card terminal acceptance.

PayMaya is not PayPal. PayMaya (now Maya) is a Philippine wallet/bank app; PayPal is a different global payments platform.

Always confirm current fees inside the Maya app or official help pages before making large transactions.

Explore the detailed pages below for each fee type, examples, and practical ways to reduce costs.

Tip: before confirming a cash‑in, look for a fee preview or receipt line showing the exact convenience fee charged by the outlet.

Tip: for transfers, the fee can depend on the rail you choose (InstaPay vs PESONet). If a fee is shown, it applies per transaction.

Tip: for FX and international withdrawals, total cost may include both Maya’s fee and the ATM operator’s fee.

Cash Out Fees

Maya Business fees can include MDR, with commonly referenced starting points around 1.5% for Maya QR and around 3.5% for card terminal acceptance.

Cash‑in convenience fees at partner outlets are often around 2–3%. Maya Center fees are commonly described as about ₱2 per ₱100 (≈2%).

Transfer Fees
PayMaya is not PayPal. PayMaya (now Maya) is a Philippine wallet/bank app; PayPal is a different global payments platform.

Always confirm current fees inside the Maya app or official help pages before making large transactions.

Digimax transformed our online presence! Their web development expertise and creative design elevated our brand, attracting more customers than ever before.
Maya Credit may charge a service fee (sometimes from 3.99%, variable) and late penalties on overdue balances.Maya Business fees can include MDR, with commonly referenced starting points around 1.5% for Maya QR and around 3.5% for card terminal acceptance.
Sarah Thompson
Choosing Digimax for digital marketing was a game-changer. Our SEO ranking skyrocketed, leading to increased visibility and a significant boost in sales.
PayMaya is not PayPal. PayMaya (now Maya) is a Philippine wallet/bank app; PayPal is a different global payments platform.Always confirm current fees inside the Maya app or official help pages before making large transactions.
Michael Chen
Data analysis by Digimax provided invaluable insights. Their expertise helped us make informed decisions, leading to remarkable business growth.
Explore the detailed pages below for each fee type, examples, and practical ways to reduce costs.Tip: before confirming a cash‑in, look for a fee preview or receipt line showing the exact convenience fee charged by the outlet.
Ryan Miller
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Transforming Ideas into Digital Excellence. Elevate your online presence with our innovative solutions and strategic digital services.
Tip: for transfers, the fee can depend on the rail you choose (InstaPay vs PESONet). If a fee is shown, it applies per transaction. PayMaya Charges & Fees (Maya) — Philippines 2026 Guide Cash‑in convenience fees at partner outlets are often around 2–3%. Maya Center fees are commonly described as about ₱2 per ₱100 (≈2%). International usage can include a foreign exchange conversion fee (often cited at 1.75%). International ATM withdrawals may add a fixed fee plus FX. Maya Business fees can include MDR, with commonly referenced starting points around 1.5% for Maya QR and around 3.5% for card terminal acceptance.
Explore the detailed pages below for each fee type, examples, and practical ways to reduce costs.
  • Always confirm current fees inside the Maya app or official help pages before making large transactions.
  • Tip: before confirming a cash‑in, look for a fee preview or receipt line showing the exact convenience fee charged by the outlet.
  • Tip: for FX and international withdrawals, total cost may include both Maya’s fee and the ATM operator’s fee.
  • Know the most common PayMaya (Maya) fees: cash‑in convenience charges, transfer costs, ATM withdrawals, FX fees, and merchant MDR.
  • Transfers: Maya‑to‑Maya is commonly free. InstaPay transfers are often around ₱15 per transaction; PESONet fees are sometimes waived depending on policy.
  • Maya Credit may charge a service fee (sometimes from 3.99%, variable) and late penalties on overdue balances.
Tip: before confirming a cash‑in, look for a fee preview or receipt line showing the exact convenience fee charged by the outlet.
  • PayMaya is not PayPal. PayMaya (now Maya) is a Philippine wallet/bank app; PayPal is a different global payments platform.
  • Explore the detailed pages below for each fee type, examples, and practical ways to reduce costs.
  • Tip: for transfers, the fee can depend on the rail you choose (InstaPay vs PESONet). If a fee is shown, it applies per transaction.
  • PayMaya Charges & Fees (Maya) — Philippines 2026 Guide
  • Cash‑in convenience fees at partner outlets are often around 2–3%. Maya Center fees are commonly described as about ₱2 per ₱100 (≈2%).
Tip: for transfers, the fee can depend on the rail you choose (InstaPay vs PESONet). If a fee is shown, it applies per transaction.
  • International usage can include a foreign exchange conversion fee (often cited at 1.75%). International ATM withdrawals may add a fixed fee plus FX.
  • Maya Business fees can include MDR, with commonly referenced starting points around 1.5% for Maya QR and around 3.5% for card terminal acceptance.
  • Always confirm current fees inside the Maya app or official help pages before making large transactions.
  • Tip: before confirming a cash‑in, look for a fee preview or receipt line showing the exact convenience fee charged by the outlet.
  • Tip: for FX and international withdrawals, total cost may include both Maya’s fee and the ATM operator’s fee.
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  • Know the most common PayMaya (Maya) fees: cash‑in convenience charges, transfer costs, ATM withdrawals, FX fees, and merchant MDR.
  • Transfers: Maya‑to‑Maya is commonly free. InstaPay transfers are often around ₱15 per transaction; PESONet fees are sometimes waived depending on policy.
  • Maya Credit may charge a service fee (sometimes from 3.99%, variable) and late penalties on overdue balances.