Jili99 Over-the-Counter Cash Agents — Limits, Fees & Settlement

Over-the-Counter Cash Agents form a Philippine payment rail, and this page describes the rail — its limits, its settlement behaviour, its published fees — rather than any casino’s cashier.

A snapshot of Over-the-Counter Cash Agents

Field	Value
Operated by	Wallets and billers contract individually with agent networks that are independently owned and separately accredited by BSP — M Lhuillier, Palawan Pawnshop, Philippine Seven Corporation’s CliQQ counters found in 7-Eleven and Cebuana Lhuillier form part of that group — instead of dealing with a single operator.
Regulated by	Bangko Sentral ng Pilipinas
Wallet limit	Not applicable to this rail
Per-transaction cap	Not applicable to this rail
Settlement	at once for cash exchanged in person at the counter, while the linked wallet is credited anywhere between a few minutes and the same day, depending on the receiving institution
Published fees	Not published

Rates aren’t standardized because there’s no rail behind them; each agent network sets its own, and so does each receiving wallet. GCash sets its own OTC terms — no charge up to PHP 8,000, then 2 per cent past that point — and none of Cebuana Lhuillier, M Lhuillier, or Palawan has a published consumer schedule to compare it with.

A snapshot recorded 2026-09 is shown here. Payment providers don’t announce changes to limits and fees, which is why the provider’s own page is the only current source.

Verification tiers

Over-the-Counter Cash Agents has no published verification tiers that could be sourced, so none are listed. Identity verification stays standard on regulated Philippine e-money accounts, and an account that lacks it is usually the reason for a lower-than-expected limit.

These networks have nothing resembling a consumer-facing tier structure. When a cash transaction tops PHP 500,000, the Anti-Money Laundering Act classifies it as a covered transaction with a mandatory report attached, a rule that sits alongside BSP Circular No. 1230 of February 2026, which increased the enhanced due diligence trigger for cash withdrawals from PHP 500,000 to PHP 1,000,000. BSP-supervised institutions as a whole, not cash agents specifically, are where these reporting obligations apply, and they bind the institution rather than the customer.

Paying with Over-the-Counter Cash Agents at Jili99

1. Sign in at Jili99 and open the cashier.
2. Over-the-Counter Cash Agents is one of the payment methods the cashier lists for your account — pick it.
3. Make sure the name on your Jili99 account matches the name on your Over-the-Counter Cash Agents account.
4. Start by checking the minimum, maximum and any fee on the cashier screen, and finish by confirming the amount.

Your live account limits are shown on the cashier screen, so check it before each first deposit using a new method.