JILI7 Over-the-Counter Cash Agents — Limits, Fees & Settlement
Over-the-Counter Cash Agents is a Philippine payment rail — regulation: Bangko Sentral ng Pilipinas regulating them as money service businesses, together with the Anti-Money Laundering Act.
- Operator
- No single operator: the network is made of separately owned, individually BSP-accredited agents, among them Philippine Seven Corporation's CliQQ counters in 7-Eleven, Cebuana Lhuillier, M Lhuillier and Palawan Pawnshop, and others, each contracted on its own by individual wallets and billers
- Regulator
- Bangko Sentral ng Pilipinas regulating them as money service businesses, together with the Anti-Money Laundering Act
- Settlement
- in person and without delay: the counter is where cash is handed over, and the receiving institution decides whether a linked wallet is credited within minutes or by the same day
- Figures as of
- 2026-09
Wallet limit: not published.
Per-transaction cap: not published.
This part deals with Over-the-Counter Cash Agents as a payment method, covering who runs it, what it is licensed as and what it says about limits and fees.
Over-the-Counter Cash Agents: key points
| Field | Value |
|---|---|
| Operated by | No single operator: the network is made of separately owned, individually BSP-accredited agents, among them Philippine Seven Corporation’s CliQQ counters in 7-Eleven, Cebuana Lhuillier, M Lhuillier and Palawan Pawnshop, and others, each contracted on its own by individual wallets and billers |
| 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 without delay: the counter is where cash is handed over, and the receiving institution decides whether a linked wallet is credited within minutes or by the same day |
| Published fees | Not published |
Because there is no single rail, there is no fee for it either — agent networks and receiving wallets each decide their own. Attributing GCash’s own free-to-PHP-8,000-then-2-per-cent OTC schedule to Cebuana Lhuillier, M Lhuillier or Palawan would be wrong, since it is a GCash charge and they publish no comparable consumer schedule.
Values on this page are fixed as of 2026-09, the month they were recorded. Count on the provider’s own page for current limits and fees, as payment providers revise them without notice.
Verification tiers
Over-the-Counter Cash Agents have no published verification tiers on record, and none are listed here. Nonetheless, verifying identity is the norm for regulated Philippine e-money accounts, and a low limit most often traces back to an unverified account.
No tier system faces consumers on any of these networks. The single cross-cutting threshold that applies in practice comes from regulation, since the Anti-Money Laundering Act makes any cash transaction over PHP 500,000 a covered transaction requiring a mandatory report, and BSP Circular No. 1230 of February 2026 increased the enhanced due diligence trigger for cash withdrawals from PHP 500,000 to PHP 1,000,000. The institution carries these reporting obligations, the customer faces no limit from them, and they extend to BSP-supervised institutions broadly instead of cash agents alone.
Paying with Over-the-Counter Cash Agents at JILI7
- Sign in at JILI7 and open the cashier.
- Over-the-Counter Cash Agents is the option to tick from the payment methods listed for your account.
- Make sure the name on your JILI7 account matches the name on your Over-the-Counter Cash Agents account.
- Spend a moment on the cashier’s minimum, maximum and fee lines; once they look right, confirm the amount.
Before trying a new deposit method for the first time, check the cashier screen for the live limits tied to your account.
Other payment rails explained here
- GCashUnder Bangko Sentral ng Pilipinas supervision with an Electronic Money Issuer licence
- MayaThe Electronic Money Issuer and registered Operator of Payment System is answerable to Bangko Sentral ng Pilipinas
- GrabPayAn Electronic Money Issuer licence from Bangko Sentral ng Pilipinas, in force since 2018
- Bank TransferRegulation comes from Bangko Sentral ng Pilipinas, based on the National Retail Payment System framework that Circular No. 980 created
FAQ
Who regulates Over-the-Counter Cash Agents?
Over-the-Counter Cash Agents — regulation: Bangko Sentral ng Pilipinas regulating them as money service businesses, together with the Anti-Money Laundering Act. That covers the rail, not the casino.
Is there a charge for using Over-the-Counter Cash Agents?
Over-the-Counter Cash Agents does not put out a quotable fee schedule; check its own page.
How much can an Over-the-Counter Cash Agents wallet hold under its limit?
Over-the-Counter Cash Agents has no published wallet ceiling, which is why none is quoted here.
Over-the-Counter Cash Agents: how long until it is done?
The rail settles in person and without delay: the counter is where cash is handed over, and the receiving institution decides whether a linked wallet is credited within minutes or by the same day. The operator's in-house review before a withdrawal is released is separate from this, and in most cases longer.