Your virtual assistant in Cebu asks to be paid to Maya, not to a bank account. Your international wire cannot land in an e-wallet, and the bank route adds days and a cash-out fee.
Maya payouts in the Philippines with stablecoin settlement solve that. You fund in USDC or USD, lock a quote, and your recipient gets Philippine pesos (PHP) in their Maya wallet in under 30 minutes.
Money from abroad is a pillar of the Philippine economy. Overseas Filipinos sent a record US$35.63 billion in cash remittances in 2025, according to the Bangko Sentral ng Pilipinas (BSP). At home, Maya Bank alone counted 10.7 million bank customers at the end of 2025.
This guide covers why paying Maya wallets from abroad is still awkward, how the stablecoin flow works, and which details you need. It then walks through your first Maya payout by dashboard and by API.
Why Paying Maya Wallets from Abroad Is Harder Than It Should Be
Domestic transfers into Maya are routine for Filipinos. The friction starts when the money begins outside the country.
Small cross-border payments are expensive. Sending small amounts abroad costs an average of 6.36% of the amount sent, according to the World Bank. On a US$20,000 monthly contractor run, that average would cost US$1,272 every month. We break down more of these costs in the hidden costs of international payments.
Wires do not target e-wallets. A SWIFT transfer expects a bank account and a correspondent chain. Your recipient then has to move the money again from their bank into Maya.
Recipients already live in digital channels. Digital payments reached 64.7% of retail transaction volume in 2025, up from 57.4% a year earlier. A payout that arrives as a bank deposit days later feels out of step.
Wallet details are easy to get wrong. A wrong digit in the mobile number, or a name that does not match the verified account, sends the payout back and opens a support ticket.
Maya Payouts in the Philippines with a Stablecoin Layer: How It Works
Yativo is payment infrastructure, not a bank. We use stablecoins as the settlement layer between your balance and the Philippines. A licensed local payout partner then credits the Maya wallet on the ground.
- You fund your Yativo float balance with a fiat or stablecoin deposit, such as USDC.
- Yativo converts the payout value to USDC and settles it on-chain.
- A licensed local payout partner in the Philippines receives the stablecoin settlement.
- The partner converts USDC to PHP and credits the recipient’s Maya wallet.
- Your recipient sees pesos in their normal Maya balance, ready to spend, save or transfer.
Your recipient does not need a crypto wallet. They never see or touch stablecoins. On their side, the payment looks like any domestic transfer into Maya.
Maya is more than a wallet. The group reported PHP 68 billion in deposits at the end of 2025, so many recipients keep funds there after the payout lands. For more on the settlement layer, read how to receive international payments in stablecoins.
Supported Payout Rails for the Philippines
The featured method for this guide is PHP Local Wallet, gateway ID 1368, with Maya selected as the wallet. Our Philippines list also covers other wallets, bank accounts and USD.
PHP Local Wallet: Maya
Gateway 1368 pays Philippine e-wallets in pesos. Maya appears in the method catalog as PayMaya, with the value ph_paymaya.
Required details: the fields returned by the form for gateway 1368. Expect the holder’s name, the mobile number linked to the Maya account and the wallet selection.
Settlement time: payouts to Maya settle in under 30 minutes.
Limits: 100 PHP minimum and 999,999 PHP maximum per payout in our catalog, subject to the recipient’s own Maya account limits.
Best for: freelancers, virtual assistants, creators and gig workers who run their finances from the Maya app.
Other wallets on the same gateway
Gateway 1368 also pays GCash, GrabPay and ShopeePay. Settlement is the same, under 30 minutes. See our GCash payouts, GrabPay payouts and ShopeePay payouts guides for wallet-specific tips.
PHP Bank Transfer
Gateway 1364 pays Philippine bank accounts in under 30 minutes, including Maya Bank savings accounts. Use it for supplier invoices or recipients who prefer a bank. We cover it in our Philippines local bank transfer payouts guide.
POBO and USD alternatives
POBO (Local), gateway 1063, pays in PHP on a next business day (T+1) basis. If your recipient wants dollars, SWIFT, gateway 689, settles T+1. Availability depends on your account, so check the live list before you build.
Recipient Details to Collect Before Your First Maya Payout
The form in your dashboard, or the authenticated GET /beneficiary/form/show/1368 call, is the authoritative field list. Our public documentation does not publish this form yet. Collect the details below during onboarding.
- Legal name: full name exactly as verified on the Maya account.
- Mobile number: the number registered to Maya, usually in 09XX or +63 format.
- Wallet: Maya (PayMaya), so the payout routes to the right e-wallet.
- Account tier: whether the account is Basic or Upgraded, since tier sets the monthly limit.
- Email or reference: optional, for matching payouts to invoices or payroll runs.
Ask for a screenshot of the Maya profile page. It confirms the verified name and number in one step.
How to Send a Maya Payout via Yativo
Option 1: Dashboard (for manual payouts)
- Fund your Yativo float balance with either a fiat or a stablecoin deposit.
- Go to Transfer in your Yativo dashboard.
- Select the float wallet you are paying with, for example USD, EUR, MXN or whichever balance you funded.
- Choose the customer you are paying on behalf of. This step is necessary for fintechs that run payouts on behalf of their customers.
- Choose the Philippines as the destination country, then the PHP Local Wallet payout method with Maya as the wallet.
- Enter the recipient details the payout form asks for, such as the account holder’s name and the mobile number linked to their Maya account.
- Enter the amount in USD or PHP.
- Review the quote: exchange rate, fees, delivery time and the exact PHP amount your recipient receives.
- Confirm with your PIN and 2FA.
- Track the payout in real time and download the receipt for your records.
Option 2: API (for automated and bulk payouts)
Every endpoint below is in the Yativo API documentation. Production calls go to https://api.yativo.com/api/v1, and the sandbox runs at https://smtp.yativo.com/api/v1.
Authenticate every request with the X-Api-Key and X-Api-Secret headers. Each key only works from the server IPs listed on it. These keys replaced bearer tokens, and login tokens stop working from servers on October 15, 2026, as covered in our October update. Every POST also needs a unique Idempotency-Key header.
Step 1. Generate a USDC funding address on Solana to top up your USD balance:
POST https://api.yativo.com/api/v1/crypto/create-wallet
X-Api-Key: $YATIVO_API_KEY
X-Api-Secret: $YATIVO_API_SECRET
Idempotency-Key: 5c1e9a20-3b7d-4f61-a2c8-59d0e1f2a301
Content-Type: application/json
{
"currency": "USDC_SOL"
}Step 2. List the payout methods available for the Philippines:
curl "https://api.yativo.com/api/v1/payment-methods/payout?country=PHL" \
-H "X-Api-Key: $YATIVO_API_KEY" \
-H "X-Api-Secret: $YATIVO_API_SECRET" \
-H "Accept: application/json"PHP Local Wallet is active and carries gateway ID 1368. Always read the ID from the live response instead of hardcoding it.
Step 3. Fetch the required fields for that gateway:
GET https://api.yativo.com/api/v1/beneficiary/form/show/1368
X-Api-Key: $YATIVO_API_KEY
X-Api-Secret: $YATIVO_API_SECRETThe response lists every required field and the accepted values. For the wallet selection, Maya uses the value ph_paymaya. For exact field names, see API documentation.
Step 4. Create the beneficiary. Replace the placeholders with the field names the form returned:
POST https://api.yativo.com/api/v1/beneficiaries/payment-methods/
X-Api-Key: $YATIVO_API_KEY
X-Api-Secret: $YATIVO_API_SECRET
Idempotency-Key: 6d2f0b31-4c8e-4a72-b3d9-6ae1f203b402
Content-Type: application/json
{
"gateway_id": 1368,
"nickname": "Andrea Santos",
"currency": "PHP",
"customer_id": "e8caa491-57b6-4c39-9e3a-d2c97e47fbf0",
"payment_data": {
"{wallet_field_from_form}": "ph_paymaya",
"{other_field_from_form}": "{value}"
}
}Step 5. Optionally, lock your rate. Quotes hold for 5 minutes:
POST https://api.yativo.com/api/v1/exchange-rate
X-Api-Key: $YATIVO_API_KEY
X-Api-Secret: $YATIVO_API_SECRET
Idempotency-Key: 7e30c142-5d9f-4b83-84ea-7bf20314c503
Content-Type: application/json
{
"from_currency": "USD",
"to_currency": "PHP",
"method_id": 1368,
"method_type": "payout",
"amount": 300
}Step 6. Initiate the payout from your USD balance:
POST https://api.yativo.com/api/v1/wallet/payout
X-Api-Key: $YATIVO_API_KEY
X-Api-Secret: $YATIVO_API_SECRET
Idempotency-Key: 8f41d253-6ea0-4c94-95fb-8c0314a5d604
Content-Type: application/json
{
"debit_wallet": "USD",
"amount": 300,
"payment_method_id": 7591,
"customer_id": "e8caa491-57b6-4c39-9e3a-d2c97e47fbf0",
"quote_id": "4a72ecf8-6c8a-4e38-9971-8aabe9f785ed"
}Use the id from the beneficiary response as payment_method_id. For bulk runs, repeat the call per beneficiary, as described on our payouts page.
Which Philippines Payout Option Should You Use?
| Maya (Local Wallet) | Other wallets (1368) | PHP Bank Transfer | POBO / SWIFT | |
| Settlement speed | Under 30 minutes | Under 30 minutes | Under 30 minutes | T+1 |
| Required details | Name, Maya mobile number (see API documentation) | Name, wallet mobile number | Name, bank, account number | See API documentation |
| Best for | Maya-first freelancers and gig workers | GCash, GrabPay, ShopeePay users | Suppliers, Maya Bank savings | Fallback or USD payouts |
| Currency received | PHP | PHP | PHP | PHP (POBO) or USD (SWIFT) |
Best Practices for Maya Payouts
Match the verified name. Maya ties each wallet to a verified identity. A nickname or a missing middle name can trigger a return.
Check the account tier before large payouts. Basic accounts cap the monthly wallet balance at PHP 50,000. Upgraded accounts reach PHP 100,000, and higher tiers go further.
Separate wallet and bank beneficiaries. A Maya wallet and a Maya Bank savings account are different destinations. Save them as separate beneficiaries so nobody picks the wrong rail.
Lock the rate on big batches. Quotes hold for 5 minutes, so lock one before you pay dozens of wallets in one run.
Reuse one playbook. The same quote, beneficiary and payout flow powers our Argentina bank transfer payouts and Kenya mobile money payouts.
Frequently Asked Questions
Does my recipient in the Philippines need a crypto wallet?
No. Your recipient gets Philippine pesos in their normal Maya wallet. They never touch stablecoins, and the credit appears like any other incoming transfer in the Maya app.
Is it legal and compliant to pay Filipino recipients this way?
Yes, when the payout runs through regulated infrastructure. Yativo is registered with FinCEN as a Money Services Business, registration number 31000270723339. A licensed local payout partner credits the Maya wallet, so your recipient sees a normal domestic payment. Your own tax and reporting duties still apply, so confirm them with your compliance advisor.
How long does a Maya payout take?
Payouts to Maya via Yativo settle in under 30 minutes. Your quote shows the delivery time before you confirm, and you can track the status in real time.
What is the difference between a Maya wallet and a Maya Bank account?
They are separate products with separate rails. Pay the Maya wallet through PHP Local Wallet (gateway 1368, method ph_paymaya). Pay a Maya Bank savings account through PHP Bank Transfer (gateway 1364), covered in our Philippines local bank transfer payouts guide.
Are there limits on how much a Maya wallet can receive?
Our catalog lists a minimum of 100 PHP and a maximum of 999,999 PHP per payout on this rail. Maya also sets monthly wallet limits by account tier: PHP 50,000 for Basic and PHP 100,000 for Upgraded accounts. Ask recipients to upgrade before you send large amounts.
Can I pay GCash, GrabPay or ShopeePay with the same integration?
Yes. The same gateway, 1368, also lists GCash, GrabPay and ShopeePay as wallet options. Only the wallet value in the payment details changes. See our GCash payouts, GrabPay payouts and ShopeePay payouts guides.
Start Sending Maya Payouts to the Philippines
Filipinos abroad sent a record US$35.63 billion home in 2025, and Maya keeps growing as a place to hold that money. Yativo lets you fund in USDC or USD and credit PHP to Maya wallets through a licensed local payout partner in under 30 minutes. Book a demo to set up your first Maya payout, or contact sales if you already know your monthly volume.
Sources
- BusinessWorld: OFW remittances hit record $35.6B
- Maya: Maya recognized by Forbes, The Asian Banker (2025 results)
- Maya: Maya Account Limits
- GMA News: Digital payments accounted for 64.7% of total retail payments in 2025, says BSP
- World Bank: Remittance Prices Worldwide
- Yativo: Yativo API Documentation
- Yativo: Safer API access, three new virtual accounts and new payment links