PH90 Over-the-Counter Cash Agents — Limits, Fees & Settlement
Over-the-Counter Cash Agents is a Philippine payment rail — regulation: Bangko Sentral ng Pilipinas, which treats them as money service businesses, together with the Anti-Money Laundering Act.
| Fact | Value |
|---|---|
| Operator | Behind it are several independently owned agent networks, each BSP-accredited on its own account and contracted individually by wallets and billers |
| Regulator | Bangko Sentral ng Pilipinas, which treats them as money service businesses, together with the Anti-Money Laundering Act |
| Wallet limit | Not published |
| Per-transaction cap | Not published |
| Settlement | in person and immediately: cash passes across the counter, with a linked wallet credited anywhere from minutes to the same day depending on which institution receives it |
| Figures as of | 2026-09 |
Philippine casino discussion returns to Over-the-Counter Cash Agents constantly, and the figures attached usually originate with the casino rather than with Over-the-Counter Cash Agents. The provider’s own published figures are the source throughout this page.
The short version on Over-the-Counter Cash Agents
| Field | Value |
|---|---|
| Operated by | Behind it are several independently owned agent networks, each BSP-accredited on its own account and contracted individually by wallets and billers — CliQQ counters inside 7-Eleven run by Philippine Seven Corporation, Cebuana Lhuillier, M Lhuillier, Palawan Pawnshop and others |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | Not applicable to this rail |
| Per-transaction cap | Not applicable to this rail |
| Settlement | in person and immediately: cash passes across the counter, with a linked wallet credited anywhere from minutes to the same day depending on which institution receives it |
| Published fees | Not published |
With no rail there can be no rail-wide fee: every agent network prices itself, and so does every receiving wallet. That OTC schedule — free to PHP 8,000, then 2 per cent — belongs to GCash and should not be laid at the door of Cebuana Lhuillier, M Lhuillier or Palawan, none of which publishes anything comparable for consumers.
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.
Verification tiers
Nothing sourceable was found on verification tiers for Over-the-Counter Cash Agents, so none are listed. Regulated Philippine e-money accounts still verify identity as standard, and an unverified account is usually why a limit turns out lower than expected.
Nothing resembling a consumer-facing tier system exists across these networks. Regulation supplies the one threshold that genuinely cuts across: the Anti-Money Laundering Act makes any cash transaction over PHP 500,000 a covered transaction with a mandatory report attached, and February 2026’s BSP Circular No. 1230 lifted the enhanced due diligence trigger on cash withdrawals from PHP 500,000 to PHP 1,000,000. What those create are reporting duties for the institution rather than caps on the customer, and they reach every BSP-supervised institution instead of singling out cash agents.
Paying with Over-the-Counter Cash Agents at PH90
- Sign in at PH90 and open the cashier.
- Pick Over-the-Counter Cash Agents from the payment methods the cashier lists for your account.
- Make sure the name on your PH90 account matches the name on your Over-the-Counter Cash Agents account.
- Read the minimum, the maximum and any fee off the cashier screen, then confirm.
Your account’s live limits are on the cashier screen; read them before a first deposit on any new method.
FAQ
Who regulates Over-the-Counter Cash Agents?
Over-the-Counter Cash Agents — regulation: Bangko Sentral ng Pilipinas, which treats them as money service businesses, together with the Anti-Money Laundering Act. That covers the rail, not the casino.
On Over-the-Counter Cash Agents, what is the wallet limit?
Over-the-Counter Cash Agents publishes no wallet ceiling, so none is quoted here.
Are there fees on Over-the-Counter Cash Agents?
Over-the-Counter Cash Agents publishes no fee schedule in a quotable form; its own page is the place to check.
How do I pay with Over-the-Counter Cash Agents at PH90?
Sign in, open the cashier and pick Over-the-Counter Cash Agents from the methods it lists for your account. Match the name on both accounts, and check the limits the cashier shows before you confirm.
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 |
| Debit and Credit Cards | 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 |