PH90 PESONet — Limits, Fees & Settlement
PESONet is a Philippine payment rail — regulation: Bangko Sentral ng Pilipinas holds authority here via the National Retail Payment System framework.
| Fact | Value |
|---|---|
| Operator | Philippine Payments Management, Inc., alongside the Philippine Clearing House Corporation in the role of designated clearing switch operator |
| Regulator | Bangko Sentral ng Pilipinas holds authority here via the National Retail Payment System framework |
| Wallet limit | Not published |
| Per-transaction cap | Not published |
| Settlement | same banking day when the instruction reaches the clearing house before cut-off, next banking day when it does not. Settlement comes in batches over several cycles a day instead of instantly, and none of those cycles run at weekends |
| Figures as of | 2026-09 |
This page covers PESONet the payment rail. Anything tied to one operator’s cashier has been left out on purpose, and the last section says why.
PESONet at a glance
| Field | Value |
|---|---|
| Operated by | Philippine Payments Management, Inc., alongside the Philippine Clearing House Corporation in the role of designated clearing switch operator |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | Not applicable to this rail |
| Per-transaction cap | Not published |
| Settlement | same banking day when the instruction reaches the clearing house before cut-off, next banking day when it does not. Settlement comes in batches over several cycles a day instead of instantly, and none of those cycles run at weekends |
| Published fees | Electronic crediting never carries a charge to the beneficiary, on BSP’s mandate. Nothing rail-wide is published, and a fee may come from the sending institution. |
These figures were recorded in 2026-09 and describe that moment. These figures move without notice; the provider’s page is the only one that keeps up.
What PESONet says about gambling transactions
No sourceable public position on gambling merchants has been published by PESONet for this page to cite. Permission is a different matter: merchant-category rules that never get published are applied routinely by e-money issuers, and a transfer can be refused with no published rule behind it.
Verification tiers
Nothing sourceable was found on verification tiers for PESONet, 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.
How fast money actually moves
PESONet settles same banking day when the instruction reaches the clearing house before cut-off, next banking day when it does not. Settlement comes in batches over several cycles a day instead of instantly, and none of those cycles run at weekends. The rail is what that describes, not the casino: a withdrawal can sit under an operator’s own review long before PESONet sees it, and that review is usually where the waiting comes from.
No per-transaction limit applies to PESONet at scheme level, and BSP’s own comparison table puts it down as ‘no limit’. Caps are set institution by institution among the participants, which makes a rejected transfer the bank’s rule at work and not the rail’s. Far from a figure gone missing, that is the field’s actual answer.
Paying with PESONet at PH90
- Sign in at PH90 and open the cashier.
- Pick PESONet from the payment methods the cashier lists for your account.
- Make sure the name on your PH90 account matches the name on your PESONet account.
- Check the minimum, maximum and any fee on the cashier screen, then confirm the amount.
Your account’s live limits are on the cashier screen; read them before a first deposit on any new method.
FAQ
Does PESONet charge fees?
Published fees: Electronic crediting never carries a charge to the beneficiary, on BSP's mandate. Nothing rail-wide is published, and a fee may come from the sending institution.. Providers revise these without notice.
Who regulates PESONet?
PESONet — regulation: Bangko Sentral ng Pilipinas holds authority here via the National Retail Payment System framework. That covers the rail, not the casino.
How long does PESONet take?
The rail settles same banking day when the instruction reaches the clearing house before cut-off, next banking day when it does not. Settlement comes in batches over several cycles a day instead of instantly, and none of those cycles run at weekends. Separate from that, and usually slower, is the operator's own review before a withdrawal is released.
What is the PESONet wallet limit?
PESONet publishes no wallet ceiling, so none is quoted here.
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 |
| 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 |
| 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 |