Key fact: Through the Visa x Maya Cross-border Account Funding (AFT) partnership, Maya now supports Cash In using foreign-issued Visa cards (including MPChat). The flow is: Maya App → Cash In → Visa Card → enter card details → complete 3DS. A verified Maya account is required.

Overview

This guide shows how to fund a Maya (formerly PayMaya) wallet using an MPChat card in the Philippines. It is for users who:

live, travel, or remit funds to family in the Philippines
want to use MPChat as a cross-border funding source for Maya spending or transfers

Before you start

Verified Maya account: you need a KYC-verified Maya account. Unverified accounts have lower limits and restricted features.
Enable 3DS: ensure your MPChat card has online transactions and 3DS verification enabled.
Card details: prepare card number, expiry, and CVV. See How do I view the full card number and expiration date?
Regional availability: treat in-app prompts in Maya as authoritative for current feature availability.

How to cash in to Maya with your MPChat card

Open the Maya app and tap Add Money in the top-right area.
Select Visa Card (or the credit/debit card entry) as the cash-in method.
Enter your MPChat card number, expiry, and CVV.
Enter the amount and complete 3DS/OTP verification when prompted.
Verify successful credit in your Maya balance and transaction history.

Fees and restrictions

Cross-border funding may involve currency conversion and platform fees; review the Maya confirmation screen.
Cash-in limits depend on your Maya account verification tier; complete KYC for higher limits.
Availability may vary by region and account status; follow in-app prompts as authoritative.

Troubleshooting

Foreign-card entry not visible: update to the latest Maya app version and ensure you are logged into a verified account.
3DS failure: check network and spam filters and retry; contact MPChat to confirm 3DS status if needed.
Cash-in declined: check card balance, card limits, and Maya account status. See MPChat card limits and fees.
Funded but not credited: check if status is pending; contact Maya support with transaction details if it times out.

FAQ

Q1: Can all three MPChat cards fund Maya?

Usually they can be attempted as foreign Visa cards. Final acceptance depends on Maya real-time checks.

Q2: Maya or GCash — which is better?

Both now support foreign Visa funding. GCash has the widest Philippine merchant coverage; Maya focuses more on digital banking and financial services. Use both if needed.

Q3: Can I use an unverified Maya account?

Unverified accounts have significantly lower limits and restricted features; complete KYC first for the best experience.