JILI365 Over-the-Counter Cash Agents — Limits, Fees & Settlement
Over-the-Counter Cash Agents is a Philippine payment rail — regulation: The Anti-Money Laundering Act, and Bangko Sentral ng Pilipinas, which regulates them as money service businesses.
- Operator
- A collection of agent networks rather than a single operator, each independently owned and accredited by BSP separately, among them Philippine Seven Corporation's CliQQ counters in 7-Eleven, Cebuana Lhuillier, M Lhuillier, Palawan Pawnshop and others, with every wallet and biller contracting each one on its own
- Regulator
- The Anti-Money Laundering Act, and Bangko Sentral ng Pilipinas, which regulates them as money service businesses
- Settlement
- instant and face to face, with cash handed over at the counter and a linked wallet credited anywhere from within minutes to the same day, depending on the receiving institution
- Figures as of
- 2026-09
Wallet limit: not published.
Per-transaction cap: not published.
In Philippine casino discussion Over-the-Counter Cash Agents comes up constantly, normally with figures attached that originate from the casino and not from Over-the-Counter Cash Agents. On this page, the figures come from what the provider has published itself.
What to know about Over-the-Counter Cash Agents, briefly
| Field | Value |
|---|---|
| Operated by | A collection of agent networks rather than a single operator, each independently owned and accredited by BSP separately, among them Philippine Seven Corporation’s CliQQ counters in 7-Eleven, Cebuana Lhuillier, M Lhuillier, Palawan Pawnshop and others, with every wallet and biller contracting each one on its own |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | Not applicable to this rail |
| Per-transaction cap | Not applicable to this rail |
| Settlement | instant and face to face, with cash handed over at the counter and a linked wallet credited anywhere from within minutes to the same day, depending on the receiving institution |
| Published fees | Not published |
Since no single rail exists, there is no rail-wide fee; every agent network sets its own rate, as does every receiving wallet. None of Cebuana Lhuillier, M Lhuillier or Palawan publishes a comparable consumer schedule, so GCash’s free-to-PHP-8,000-then-2-per-cent OTC schedule, a charge made by GCash itself, should not be pinned on any of them.
The figures here were recorded in 2026-09 and are point-in-time. Limits and fees get changed by payment providers with no notice, so the provider’s own page is the only up-to-date source.
Verification tiers
The list leaves out verification tiers for Over-the-Counter Cash Agents, as none that are published could be sourced. Even so, identity verification is standard on regulated Philippine e-money accounts, and an unverified account is typically why a limit comes out lower than expected.
These networks have no tier system facing consumers. Regulation supplies the one genuine cross-cutting threshold: the Anti-Money Laundering Act treats a cash transaction above PHP 500,000 as a covered transaction that triggers a mandatory report, and BSP Circular No. 1230 of February 2026 lifted the enhanced due diligence trigger for cash withdrawals from PHP 500,000 to PHP 1,000,000. Such obligations fall on the institution as reporting duties rather than as limits on the customer, and they cover BSP-supervised institutions generally, not cash agents in particular.
Where Over-the-Counter Cash Agents shows up in a casino cashier
- Log in to the casino you play at and open its cashier or deposit screen.
- Read the method list shown for your account: Over-the-Counter Cash Agents is on offer only where that list names it.
- Match the name on the casino account to the name on your Over-the-Counter Cash Agents account before you send anything.
- Read the minimum, the maximum and any Over-the-Counter Cash Agents fee on that screen, then confirm the amount.
A cashier screen is the casino stating its own rails, so start every first Over-the-Counter Cash Agents payment there.
Other payment rails explained here
- GCashBangko Sentral ng Pilipinas issued the licence, in the category of Electronic Money Issuer
- MayaIts standing with Bangko Sentral ng Pilipinas is that of an Electronic Money Issuer and registered Operator of Payment System
- InstaPayOversight from Bangko Sentral ng Pilipinas, operating within the National Retail Payment System framework
- PESONetBangko Sentral ng Pilipinas is the supervisor, and the National Retail Payment System framework is the rulebook it applies
- Debit and Credit CardsBangko Sentral ng Pilipinas, acting according to the Manual of Regulations for Banks, Circular No. 1003 and Republic Act No. 10870
FAQ
Who regulates Over-the-Counter Cash Agents?
Over-the-Counter Cash Agents — regulation: The Anti-Money Laundering Act, and Bangko Sentral ng Pilipinas, which regulates them as money service businesses. That covers the rail, not the casino.
How do I know whether a casino takes Over-the-Counter Cash Agents?
Open its cashier while you are logged in: the method list on that screen is the answer, and Over-the-Counter Cash Agents is on offer only where it appears there. Match the names on both accounts and read the limits before you confirm.
How much time will Over-the-Counter Cash Agents need?
The rail settles instant and face to face, with cash handed over at the counter and a linked wallet credited anywhere from within minutes to the same day, depending on the receiving institution. Releasing a withdrawal comes after an operator has run its own review, a separate step that tends to take longer.
Is there a fee for Over-the-Counter Cash Agents?
No fee schedule that can be quoted is published by Over-the-Counter Cash Agents, so its own page is where to look.