Jilihh Payment Methods — Every Rail, Its Limits & Its Rules

Who runs each Philippine payment rail, how it’s licensed, and what it publishes on limits, fees and settlement — that’s what these pages describe. This page pulls its numbers strictly from the provider’s own site or a Bangko Sentral ng Pilipinas filing, since few things get mangled by affiliate-site copying as badly as payment figures do. There are 5 pages below.

Everything in this section

Rail	Operated by	Settlement	Gambling position published
GCash	Mynt	the underlying rail sets these speeds rather than GCash — instant for wallet-to-wallet and InstaPay	Yes
Debit and Credit Cards	Internationally it’s Visa and Mastercard’s schemes	Not applicable	Yes
GrabPay	GPay Network Philippines	real time is when wallet-to-wallet transfers go through The wallet operates in Philippine pesos only	Yes
Over-the-Counter Cash Agents	Instead of one operator	face-to-face and immediate for cash at the counter	No
Bank Transfer	Philippine Payments Management operates both clearing houses	instaPay settles in real time around the clock	No

There are 5 pages here, each one dedicated to a single entry rather than summarising several. Whenever a field above is marked “not published”, the entry’s own page names who would have been responsible for publishing it.

Each entry in a paragraph

On each, just enough to tell you which page is worth opening.

GCash, in detail

Operator: Mynt, born from the Globe Fintech Innovations and Ayala Corporation joint venture, counts G-Xchange, Inc. as its company.

Published limit: Fully Verified users see a ceiling of PHP 100,000, measured at any given time.

On gambling: The closest GCash’s own terms and conditions get to barring gambling merchants outright is a clause against pyramid and Ponzi schemes.

The Debit and Credit Cards entry

Operator: Internationally it’s Visa and Mastercard’s schemes, and domestically it’s BancNet handling debit.

Because the wallet-limit idea doesn’t fit how this rail works, you’ll find not applicable there rather than an empty box.

On gambling: Locating a Philippine-specific statement on gambling transactions from BSP, Visa, or Mastercard proved impossible.

GrabPay explained

Operator: GPay Network Philippines, Inc. is the entity through which Grab’s Philippine e-money licence operates.

Published limit: PHP 10,000 a month caps a Restricted wallet, PHP 100,000 caps a Standard Consumer wallet, and PHP 250,000 caps a driver or merchant wallet.

On gambling: Ambiguity is absent here: this is the plainest gambling stance among the Philippine e-wallets examined, and it is a prohibition.

Over-the-Counter Cash Agents, in detail

Operator: Instead of one operator, independently owned agent networks, each separately BSP-accredited, run the show — Philippine Seven Corporation’s CliQQ counters in 7-Eleven, M Lhuillier, Cebuana Lhuillier, Palawan Pawnshop and others, contracted individually by wallets and billers.

Because the wallet-limit idea doesn’t fit how this rail works, you’ll find not applicable there rather than an empty box.

On gambling payments, Over-the-Counter Cash Agents has put out no stated policy either way. It’s not permission, though — merchant-category rules get applied routinely without being made public, so a payment can be declined without any public rule to point to.

Bank Transfer, in detail

Operator: Both clearing houses are operated by Philippine Payments Management, Inc. under BSP oversight, with individual BSP-supervised banks and e-money issuers doing the actual transfer work.

Because the wallet-limit idea doesn’t fit how this rail works, you’ll find not applicable there rather than an empty box.

Nothing about gambling transactions has been made public by Bank Transfer. It’s not permission, though — merchant-category rules get applied routinely without being made public, so a payment can be declined without any public rule to point to.

Inside the game itself is exactly where payment methods details wait to be checked

Nothing else on a site like this ages out of date as quickly as payment figures do. Two minutes spent checking will confirm any one of these all over again:

1. Go straight to the provider’s help centre instead of relying on a comparison page. On their own domains, GCash, Maya and Grab each publish their limits and terms, and each of the three has updated them within the last two years.
2. Work out which tier applies before trusting any quoted limit. Nearly every wallet figure that circulates is really the top-tier number, misquoted as if it applied to a new account — when a new account actually sits on the bottom tier.
3. The BSP’s own FAQ PDFs answer InstaPay and PESONet questions better than any single bank does. Set at the scheme level are the per-transaction cap and who’s responsible for the fee, while a bank’s own page only spells out its own charges.
4. Read the provider’s acceptable use policy in full whenever the question involves gambling and payments. It’s GrabPay’s terms of service, not a help article, that carries this prohibition — and it’s the clearest statement made by any of these providers.
5. Assume every number shown on these pages reflects the September 2026 snapshot. This exact reason is why every page names the source behind its figure.

The thing most often got wrong here

When people say wallet limit, they’re often bundling together several figures, not one clean number for comparison. A ceiling on the balance held at any moment is what GCash publishes; Maya, instead, publishes a monthly total. PHP 100,000 and PHP 100,000 aren’t measuring the same thing just because a table lines them up side by side — it’s like sizing up a bucket against a tap.

No page leaves you wondering which of the two it’s citing — that’s always spelled out. One limit kicks in from how much money you’re holding, the other from how much you move — formatting a table together won’t make those the same thing.

Using these payment methods at Jilihh

1. Log into Jilihh, then pull up the cashier.
2. Choose one of the payment methods your account’s cashier offers, then check the limits listed for it.
3. Make sure the name on your Jilihh account matches the name on your bank or wallet.
4. Don’t lose the reference number before your balance reflects the change, and get the amount right first.