Jilibay Over the Counter Payment: Paying Cash at a Store

An over the counter payment turns physical pesos into wallet credit without a bank account or a card. A group of separately BSP-accredited agent networks does the work rather than one single operator: Philippine Seven Corporation’s CliQQ counters inside 7-Eleven, Cebuana Lhuillier, M Lhuillier and Palawan Pawnshop are among the names that show up most on this rail.

How to Make an Over the Counter Payment

1. Pick an accredited outlet that supports the wallet or biller.
2. Tell the cashier the wallet or biller and the amount, or scan a reference code if the outlet uses one.
3. Hand over the cash and keep the receipt or reference number.
4. Wait for the credit to reach the wallet; timing depends on the receiving side.
5. Keep the receipt until the balance updates.

Over the Counter Cash In GCash Pricing

GCash’s own schedule prices an over the counter cash in GCash deposit clearly: it’s free up to a combined PHP 8,000 a month across all OTC channels together, then charges 2 per cent on whatever passes that mark, resetting on the first of every month. That figure is specific to GCash; no other wallet on this rail has published a matching schedule.

CliQQ Cash In at 7-Eleven

A CliQQ counter is Philippine Seven Corporation’s own over-the-counter service, run inside 7-Eleven branches. Both GCash and Maya list an over-the-counter partner among their own cash-in methods, and a 7-Eleven CliQQ counter is one of the outlets either wallet can name. Cash handed over at the counter moves at once, in person; how fast the linked wallet reflects it depends on which one receives it.

Other Accredited Outlets

• Cebuana Lhuillier
• M Lhuillier
• Palawan Pawnshop

None of these three has put out a rate card the way GCash has for its own channels, so the PHP 8,000-then-2-per-cent figure a section above stays specific to one wallet rather than describing the rail in general.

How Long the Credit Takes to Land

Problem: cash was handed over at the counter, but the wallet balance hasn’t moved yet. Fix: wait out the receiving side’s own window first, since the cash itself already settled the moment it was handed over. Minutes is typical; a full banking day is the outer edge for some receiving institutions.

Verifying at the Counter

Cashing out works the other direction: an accredited outlet hands over cash only once a reference code and valid ID are matched at the counter. A February 2026 BSP circular doubled the paperwork threshold that flags a cash withdrawal for extra scrutiny, moving it from PHP 500,000 to PHP 1,000,000, but that number obliges the outlet to file a report — it isn’t a ceiling on what a customer is allowed to take out.

Sending money by InstaPay is the faster bank-linked alternative to a counter visit, and a GrabPay wallet is worth checking too, though its own terms publish no cash-in method to compare against this one. Where a bank-linked send is cheaper than a counter fee depends on what InstaPay itself charges on a given transfer.