Jilibay Over-the-Counter Cash Agents — Limits, Fees & Settlement
Over-the-Counter Cash Agents is a Philippine payment rail — regulation: Bangko Sentral ng Pilipinas supervises these as money service businesses, and they fall within the Anti-Money Laundering Act too.
- Operator
- In place of one operator, a group of independently owned and separately BSP-accredited agent networks does the work
- Regulator
- Bangko Sentral ng Pilipinas supervises these as money service businesses, and they fall within the Anti-Money Laundering Act too
- Settlement
- straight away and in person, cash moves at the counter, but the linked wallet's credit can land anywhere from minutes to a full banking day, depending on which institution receives it
- Figures as of
- 2026-09
Wallet limit: not published.
Per-transaction cap: not published.
Below, the focus shifts to Over-the-Counter Cash Agents in its role as a payment method — the company operating it, the licence category it falls under, and whatever it discloses on limits and fees.
The key points on Over-the-Counter Cash Agents
| Field | Value |
|---|---|
| Operated by | In place of one operator, a group of independently owned and separately BSP-accredited agent networks does the work — Philippine Seven Corporation’s CliQQ counters in 7-Eleven, Cebuana Lhuillier, M Lhuillier, Palawan Pawnshop and others, each contracted separately 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 | straight away and in person, cash moves at the counter, but the linked wallet’s credit can land anywhere from minutes to a full banking day, depending on which institution receives it |
| Published fees | Not published |
There’s no rail-wide fee because a rail itself doesn’t exist; every agent network and every receiving wallet decides its own rate. Cebuana Lhuillier, M Lhuillier and Palawan publish no comparable consumer schedule, which is why the OTC pricing of free to PHP 8,000 then 2 per cent stays attributed to GCash only.
These figures reflect a single moment, logged in 2026-09. Because a payment provider is free to alter its limits and fees at any moment without flagging the change, its own page remains the single place to find what’s current.
Verification tiers
Over-the-Counter Cash Agents has no verification tiers on record that could be sourced from a published document, so this section stays empty. Even with that in mind, regulated Philippine e-money accounts require identity verification, and when a limit falls short of expectations, an unverified account is generally to blame.
These networks run without a consumer-facing tier system. As set out in BSP Circular No. 1230 of February 2026, the enhanced due diligence trigger for cash withdrawals went from PHP 500,000 to PHP 1,000,000, a shift distinct from the Anti-Money Laundering Act’s requirement that a cash transaction above PHP 500,000 be treated as a covered transaction and flagged in a mandatory report. These are obligations for the institution to report, not the customer to limit, applying across BSP-supervised institutions rather than to cash agents in particular.
Paying with Over-the-Counter Cash Agents at Jilibay
- At Jilibay, sign in first and then open the cashier.
- Over-the-Counter Cash Agents shows up among the payment methods your account’s cashier lists — that’s the one to pick.
- Make sure the name on your Jilibay account matches the name on your Over-the-Counter Cash Agents account.
- Before locking in the amount, glance at the cashier screen to see the minimum, maximum and any fee involved.
Your account’s current limits appear on the cashier screen, so it’s worth a look before trying any deposit method for the first time.
Other payment rails explained here
- MayaBangko Sentral ng Pilipinas, which lists it as a registered Operator of Payment System and as an Electronic Money Issuer
- GrabPay2018 marks when Bangko Sentral ng Pilipinas conferred Electronic Money Issuer status
- InstaPayBangko Sentral ng Pilipinas, with this rail's rules laid down in its National Retail Payment System framework
- PESONetBangko Sentral ng Pilipinas, applying the National Retail Payment System framework
- Debit and Credit CardsBangko Sentral ng Pilipinas, on the strength of the Manual of Regulations for Banks, Circular No. 1003 and Republic Act No. 10870
FAQ
What kind of wait should you expect from Over-the-Counter Cash Agents?
The rail settles straight away and in person, cash moves at the counter, but the linked wallet's credit can land anywhere from minutes to a full banking day, depending on which institution receives it. Withdrawals also pass through an operator's own review beforehand, a distinct stage that tends to take more time.
Who regulates Over-the-Counter Cash Agents?
Over-the-Counter Cash Agents — regulation: Bangko Sentral ng Pilipinas supervises these as money service businesses, and they fall within the Anti-Money Laundering Act too. That covers the rail, not the casino.
How do I pay with Over-the-Counter Cash Agents at Jilibay?
Start by signing in and opening the cashier, then select Over-the-Counter Cash Agents wherever it appears among your account's available methods. Before hitting confirm, make sure both accounts carry an identical name and take note of the limits displayed at the cashier.
Where does the wallet limit sit for Over-the-Counter Cash Agents?
There has never been a published wallet ceiling for Over-the-Counter Cash Agents, so this page doesn't quote one.