Maya (formerly PayMaya) and GCash are two of the biggest e-wallet apps used in the Philippines. Both support wallet-to-wallet transfers, bill payments, and QR payments—so the better choice usually comes down to acceptance, fees, cards, and how support handles problems when something goes wrong.
Maya vs GCash – Guides
Where GCash tends to win
GCash is widely reported as the most commonly accepted option at local merchants and services, making it convenient for day-to-day use. Maya is often discussed as strong for online payments, especially when you want a card-like checkout experience.
Where Maya tends to win
For foreigners and expats, the practical concerns are verification, limits, cash-in/cash-out options, and how quickly issues can be resolved. Many community discussions emphasize reliability and dispute handling over flashy promos.
Common pain points users mention
Recurring Reddit-style feedback tends to split into two themes: (1) broad acceptance and convenience, and (2) frustration when accounts get flagged, transactions fail, or support is slow. Your risk tolerance and need for a virtual card can make the decision clearer.
Quick Take: What’s the Difference?
If you mainly pay in person and need maximum merchant coverage, prioritize acceptance and local usability. If you frequently shop online or prefer card-based checkout, prioritize card availability and payment compatibility.
This site summarizes the most common comparison points—features, fees, limits, cards, foreigners’ considerations, and user-reported experiences—so you can choose the wallet that fits your use case.
Browse topic pages covering fees, foreigners, cards, savings, security, and Reddit themes. We focus on practical scenarios: in-store QR payments, transfers, bill pay, and online checkout.
Note: specific fees, promos, and limits can change over time. Use this guide to understand the typical differences and what to check before you commit.
Feature Comparison: Payments, Transfers, and Acceptance
Cut Off
30%
Cards & Online Purchases
