PH90 Debit and Credit Cards — Limits, Fees & Settlement
Debit and Credit Cards is a Philippine payment rail — regulation: Bangko Sentral ng Pilipinas, whose authority here rests on Republic Act No. 10870 together with Circular No. 1003 and the Manual of Regulations for Banks.
| Fact | Value |
|---|---|
| Operator | Visa and Mastercard as the international schemes, with BancNet handling domestic debit. A card comes from whichever BSP-supervised bank issues it, and not from the networks |
| Regulator | Bangko Sentral ng Pilipinas, whose authority here rests on Republic Act No. 10870 together with Circular No. 1003 and the Manual of Regulations for Banks |
| Wallet limit | Not published |
| Per-transaction cap | Not published |
| Settlement | Not published |
| Figures as of | 2026-09 |
This page covers Debit and Credit Cards the payment rail. Anything tied to one operator’s cashier has been left out on purpose, and the last section says why.
Debit and Credit Cards at a glance
| Field | Value |
|---|---|
| Operated by | Visa and Mastercard as the international schemes, with BancNet handling domestic debit. A card comes from whichever BSP-supervised bank issues it, and not from the networks |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | Not applicable to this rail |
| Per-transaction cap | Not applicable to this rail |
| Settlement | Not applicable to this rail |
| Published fees | Under BSP Circular No. 1165 of 2023, interest and finance charges on revolving credit card balances are held to 3 per cent a month, or 36 per cent a year, superseding the 24 per cent cap that had applied since 2020. A flat PHP 200 per transaction is the ceiling that circular puts on a cash advance processing fee, and nothing further may be added. Acquirer and merchant settle merchant discount and interchange rates commercially, with no BSP cap involved; the percentages in wide circulation trace to no primary source, so they are left out here. |
These figures were recorded in 2026-09 and describe that moment. Limits and fees get revised by payment providers without notice, which leaves the provider’s own page as the only current source.
Where Debit and Credit Cards stands on gambling transactions
Neither BSP nor Visa nor Mastercard was found to have made a Philippine-specific statement about gambling transactions. Merchant category code 7995 covers gambling merchants across the industry; it is restricted, acquirer approval has to be explicit, and issuing banks are widely described as refusing it unless told otherwise. Since that description comes out of general payments explainers and not from any Philippine statement by the networks or the regulator, it is offered not as a sourced fact about Philippine cards but only as the explanation for a card payment to a gambling merchant being declined with no published rule behind it.
Paying with Debit and Credit Cards at PH90
- Sign in at PH90 and open the cashier.
- Pick Debit and Credit Cards from the payment methods the cashier lists for your account.
- Make sure the name on your PH90 account matches the name on your Debit and Credit Cards account.
- Minimum, maximum and fee are all on the cashier screen; check all three before confirming.
The cashier screen shows the live limits for your account, so read it before every first deposit with a new method.
FAQ
What is the settlement time on Debit and Credit Cards?
Debit and Credit Cards publishes no settlement time.
How do I pay with Debit and Credit Cards at PH90?
Sign in, open the cashier and pick Debit and Credit Cards from the methods it lists for your account. Match the name on both accounts, and check the limits the cashier shows before you confirm.
On Debit and Credit Cards, what is the wallet limit?
Debit and Credit Cards publishes no wallet ceiling, so none is quoted here.
Does Debit and Credit Cards charge fees?
Published fees: Under BSP Circular No. 1165 of 2023, interest and finance charges on revolving credit card balances are held to 3 per cent a month, or 36 per cent a year, superseding the 24 per cent cap that had applied since 2020. A flat PHP 200 per transaction is the ceiling that circular puts on a cash advance processing fee, and nothing further may be added. Acquirer and merchant settle merchant discount and interchange rates commercially, with no BSP cap involved; the percentages in wide circulation trace to no primary source, so they are left out here.. Providers revise these without notice.
Other payment rails explained here
| Guide | What it covers |
|---|---|
| GCash | Bangko Sentral ng Pilipinas, which licenses it as an Electronic Money Issuer |
| Maya | Bangko Sentral ng Pilipinas, which registers it as an Operator of Payment System and licenses it as an Electronic Money Issuer |
| GrabPay | Bangko Sentral ng Pilipinas, which has licensed it as an Electronic Money Issuer since 2018 |
| InstaPay | Bangko Sentral ng Pilipinas, acting through the National Retail Payment System framework |
| PESONet | Bangko Sentral ng Pilipinas holds authority here via the National Retail Payment System framework |
| Bank Transfer | Bangko Sentral ng Pilipinas, acting through the National Retail Payment System framework that Circular No. 980 established |
| Over-the-Counter Cash Agents | Bangko Sentral ng Pilipinas, which treats them as money service businesses, together with the Anti-Money Laundering Act |