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

What comes next covers Over-the-Counter Cash Agents as a payment method — its operator, its licence, and what it discloses about limits and fees.

Everything worth knowing about Over-the-Counter Cash Agents

Field	Value
Operated by	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
Regulated by	Bangko Sentral ng Pilipinas
Wallet limit	Not applicable to this rail
Per-transaction cap	Not applicable to this rail
Settlement	face-to-face and immediate for cash at the counter, then a window of minutes up to the same day for the linked wallet, depending on which institution receives it
Published fees	Not published

There being no rail at all, there’s no rail-wide fee — every agent network and every receiving wallet is left to set its own rate. As a GCash charge, the OTC schedule of free-to-PHP-8,000-then-2-per-cent should not be pinned on Cebuana Lhuillier, M Lhuillier or Palawan, since none of them publishes a comparable consumer schedule.

Treat these numbers as one reading, dated 2026-09. Limits and fees can change without notice at a payment provider’s discretion, which makes its own page the only source that’s actually current.

Verification tiers

Sourcing verification tiers for Over-the-Counter Cash Agents from anything published proved impossible, which is why none are listed here. Regulated Philippine e-money accounts require identity checks regardless, and it’s usually an account that skipped verification behind a limit coming in lower than expected.

No consumer-facing tiers exist anywhere across these networks. Governed by the Anti-Money Laundering Act, a cash transaction above PHP 500,000 counts as a covered transaction and brings a mandatory report, while governed by BSP Circular No. 1230 of February 2026, cash withdrawals now face an enhanced due diligence trigger of PHP 1,000,000 instead of PHP 500,000. Reporting obligations of this kind rest with the institution rather than limiting the customer, and cover BSP-supervised institutions broadly instead of cash agents specifically.

Paying with Over-the-Counter Cash Agents at Jilihh

1. At Jilihh, sign in first and then open the cashier.
2. At the cashier, your account’s payment options will include Over-the-Counter Cash Agents; that’s the one you want.
3. Make sure the name on your Jilihh account matches the name on your Over-the-Counter Cash Agents account.
4. Look over the cashier screen’s minimum, maximum and any fee before locking in your amount.

Your account’s live limits appear on the cashier screen — worth checking before you try any payment method for the first time.