Maya for business: accepting Maya (formerly PayMaya) payments

Maya and PayMaya: same wallet, new name

PayMaya became Maya in 2022, when the wallet was relaunched alongside a digital bank under the same brand. Customers still search for “PayMaya”, older integrations and documents still use the old name, and some shoppers will tell your support team they paid “with PayMaya”. Treat the two names as the same method in your checkout copy, help pages and reconciliation notes.

Maya is the second large e-wallet in the Philippines after GCash. Its users hold a balance in the app, can link cards and bank accounts, and use it both online and at physical stores. Many customers keep both wallets installed and pay with whichever has the balance that day, which is why sellers usually offer the two side by side.

Two routes to Maya business payments

Neither route is better in general. The direct route can make sense for a Philippine entity that only wants Maya; the gateway route is the common answer when the company is foreign, when several methods are needed at once, or when the same provider should also handle disbursements.

• Sign up with Maya directly. Maya runs its own business offering for merchants. Like other local programs, it is shaped around companies registered in the Philippines, with local registration, tax documents and a peso settlement account. Check Maya’s current business pages for the exact list, because requirements are set by Maya and change over time.
• Use a gateway that supports Maya. Your contract and KYB review are with the gateway, you build one integration, and Maya appears as one method next to others such as GCash, QR Ph or bank transfer. Payment status for every method reaches you in the same format.

What changes for a company outside the Philippines

A business incorporated in another country usually cannot produce the local papers a direct merchant program asks for, and often has no Philippine bank account to receive pesos. That is the main reason foreign sellers reach Maya through a gateway that will onboard a foreign entity.

There is also an operational reason. If you add Maya on its own today and GCash, QR Ph and bank transfer later, you end up with separate contracts, separate dashboards and separate reconciliation files. Going through one gateway keeps refunds, reporting and payment notifications in a single place, which matters more as volume grows.

Onboarding for Maya through CVPay

The CVPay statements in each step are fixed product facts. The notes underneath are what your own team should prepare.

1. 01

   Company review

   Merchants are onboarded after a KYB review. A sandbox environment is opened first, and the sandbox is isolated from production.

   Prepare what a company review typically asks for: incorporation documents, ownership and director information, your website or app, and an honest description of the goods or services Filipino customers will pay for.

2. 02

   Test the flow end to end

   In the sandbox, place test orders, let some of them expire, and confirm your order screen shows the right state each time. Keep a note of where PayMaya-era wording still appears in your own copy.

3. 03

   Trust only signed notifications

   Payment status changes are sent as webhook callbacks, and every callback is signed.

   Check each callback signature, reject anything that fails, log the original payload, and keep processing idempotent so duplicates are harmless.

4. 04

   Go live and confirm methods

   Pay-in methods include VietQR, MoMo, ZaloPay and Viettel Money in Vietnam, and GCash, Maya, GrabPay and QR Ph in the Philippines.

   Point your integration at production on purpose, run one real Maya payment yourself, and confirm with us which methods are active on your account before you announce them.

Getting the Maya checkout right

• Show “Maya” with the current logo, and mention “formerly PayMaya” in your FAQ so returning customers recognise it.
• Offer Maya next to GCash rather than instead of it.
• Keep the amount and order reference visible on the payment screen to reduce support tickets.
• Match every settlement line to an order using the reference you sent, never by amount alone.