18Jili Payment Methods Philippines — GCash, Maya and Banks (2026)
The peso rails between a Filipino player and this platform family: wallets, real-time banking and retail cash — as funding and as payout routes.
Visit 18Jili →Pick the rail by the job it has to do: GCash and Maya open at ₱100 and pay back within the operator's 2-to-4-hour quote, card and bank transfers over InstaPay or QR Ph start at ₱500 and return in about a day, and retail cash-in runs one way only — money in, never out. The operator states it absorbs its own transfer fees; what remains is the wallet's tariff and your bank's.
Four rails, two directions
- The operator lists a ₱100 deposit floor on GCash and Maya and ₱500 on bank rails — the wallet floor is the lowest entry point.
- A fully verified GCash wallet carries a ₱100,000 daily outgoing ceiling; semi-verified tiers stop at ₱50,000 and unverified at ₱10,000.
- InstaPay moves bank money in real time around the clock, while PESONet settles in batches on banking days — the same bank-transfer label hides two speeds.
- For payouts the operator quotes 2 to 4 hours to e-wallets and about 24 hours to banks; retail cash-in has no payout direction at all.
- Since August 2025 a wallet deposit must start from the operator's cashier, not inside the GCash app — a flow change that broke many older how-to guides.
Funding vs payout by rail
| Rail | As a deposit | As a payout |
|---|---|---|
| GCash | ₱100 floor, credits in minutes | Operator quotes 2–4 hours |
| Maya | ₱100 floor, credits in minutes | Operator quotes 2–4 hours |
| InstaPay / QR Ph | ₱500 floor, real time | About 24 hours per the operator |
| Retail cash-in | Counter deposit in minutes | Not available as a payout |
Payment methods
GCash
| Type | Mobile e-wallet |
|---|---|
| Minimum | ₱100 deposit floor by the operator's published FAQ |
| Maximum | Wallet tier is the binding cap: ₱100,000 daily outgoing when fully verified, ₱50,000 semi-verified, ₱10,000 unverified |
| Deposit fee | The operator states it absorbs deposit fees; GCash's own 2% applies to over-the-counter cash-in beyond ₱8,000 in a calendar month |
| Withdrawal fee | None charged by the operator per its FAQ; wallet tariffs apply when moving money onward to a bank or to cash |
| Processing time | Deposits credit in seconds to minutes; payouts quoted at 2 to 4 hours |
Step by step
- Start from the operator's cashier and pick the GCash rail — since August 2025 the flow cannot begin inside the wallet app.
- Enter the amount and the mobile number registered to a wallet in your own name.
- Approve the request in GCash before the reference expires, then confirm the credit on the platform side.
Maya
| Type | Mobile e-wallet |
|---|---|
| Minimum | Same ₱100 floor as GCash on the operator's published list |
| Maximum | A fully upgraded Maya account carries higher ceilings than GCash, which suits larger transfers |
| Deposit fee | No operator charge stated; transfers to the cashier are normally free of wallet fees |
| Withdrawal fee | Standard Maya tariffs apply when moving funds onward to a bank or to cash |
| Processing time | Deposits are near-instant; payouts quoted in the same 2-to-4-hour e-wallet window |
Step by step
- Choose Maya in the cashier and confirm the peso amount.
- Authorise the debit inside the Maya app; the wallet name must match the account name.
- Wait for the confirmation screen before closing the cashier window.
Online banking (InstaPay / QR Ph)
| Type | Real-time bank transfer |
|---|---|
| Minimum | ₱500 floor for cards and bank rails per the operator |
| Maximum | Your own bank's daily InstaPay ceiling governs — commonly ₱50,000 to ₱200,000 depending on the bank |
| Deposit fee | The operator states it covers transaction fees; banks may bill their own InstaPay charge of up to ₱25 per transfer |
| Withdrawal fee | No operator charge stated; inbound transfers are normally free to receive |
| Processing time | InstaPay moves in real time around the clock; payouts to bank accounts are quoted at about 24 hours |
Step by step
- Pick online banking in the cashier and select your bank or scan the QR Ph code.
- Complete the transfer in your banking app from an account in your own name.
- Keep the reference number until the platform balance reflects the credit.
Over-the-counter cash-in (retail outlets)
| Type | Cash deposit at a counter |
|---|---|
| Minimum | Counter minimums vary by outlet chain |
| Maximum | Low per-branch ceilings; larger sums need several visits or a different rail |
| Deposit fee | The outlet may add its own service charge at the counter |
| Withdrawal fee | Not applicable — this rail has no payout direction |
| Processing time | Credits land minutes after the teller confirms the payment |
Step by step
- Generate a cash-in reference in the cashier before going to the counter.
- Pay in pesos and keep the printed or photographed receipt.
- Check the platform balance before leaving the outlet.
Choosing the rail by what you need it to do
The four rails are not interchangeable. For a small first top-up, the ₱100 floor on GCash or Maya is the cheapest way to test the whole loop. For money you want to see the same evening, the wallets are the operator's own fastest quote at 2 to 4 hours against roughly 24 hours to a bank account. For sums above a wallet's daily ceiling the bank rail is the realistic route, and it matters which one you land on: InstaPay settles in real time around the clock, while anything routed over PESONet waits for the next banking day. Counter cash-in at a retail outlet is a deposit rail with no return direction at all, so an account funded that way still needs a wallet or bank account in your own name before anything can be paid out.
One rule of direction governs the wallets since August 2025: the transfer is started in the operator's cashier and only approved inside GCash or Maya, never begun there, because the Bangko Sentral ng Pilipinas ordered gambling links out of the wallet apps. The practical effect is about identity. The wallet that approves the payment is the name the platform records, and it has to match the verified account. A wallet borrowed from a relative funds an account quietly and then fails when the money tries to come back — the worst possible moment to discover it. That side of the trip is covered in Withdrawal Methods.