77JILI Over-the-Counter Cash Agents — Limits, Fees & Settlement
Over-the-Counter Cash Agents is a Philippine payment rail — regulation: Bangko Sentral ng Pilipinas, regulator of these money service businesses, together with the Anti-Money Laundering Act.
- Operator
- A collection of independently owned, separately BSP-accredited agent networks, among them M Lhuillier, Cebuana Lhuillier, Palawan Pawnshop and Philippine Seven Corporation's CliQQ counters in 7-Eleven, replaces any single operator, each contracted apart by individual wallets and billers
- Regulator
- Bangko Sentral ng Pilipinas, regulator of these money service businesses, together with the Anti-Money Laundering Act
- Settlement
- without any wait, in person, for cash at the counter, though the linked wallet's credit may arrive within minutes or take until the same day, depending on the receiving institution
- Figures as of
- 2026-09
Wallet limit: not published.
Per-transaction cap: not published.
The section below covers Over-the-Counter Cash Agents as a payment method — who operates it, what licence it holds, and what it discloses about limits and fees.
A quick overview of Over-the-Counter Cash Agents
| Field | Value |
|---|---|
| Operated by | A collection of independently owned, separately BSP-accredited agent networks, among them M Lhuillier, Cebuana Lhuillier, Palawan Pawnshop and Philippine Seven Corporation’s CliQQ counters in 7-Eleven, replaces any single operator, each contracted apart 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 | without any wait, in person, for cash at the counter, though the linked wallet’s credit may arrive within minutes or take until the same day, depending on the receiving institution |
| Published fees | Not published |
No unified rail means no rail-wide fee — each agent network sets one rate, and each receiving wallet sets another. Misattributing this free-to-PHP-8,000-then-2-per-cent OTC schedule to Cebuana Lhuillier, M Lhuillier or Palawan would be an error, since it is a GCash charge and none of them publishes a comparable one for consumers.
The numbers on this page were captured at one moment, 2026-09, and don’t reflect anything after that. Limits and fees are entirely at each provider’s own discretion to change, with zero warning given, so nothing beats checking that provider’s page directly for what’s current.
Verification tiers
Verification tiers for Over-the-Counter Cash Agents aren’t published anywhere sourceable, so this page lists none. Even so, regulated Philippine e-money accounts require identity verification as standard, and a lower-than-expected limit is usually explained by an account that hasn’t been verified.
None of these networks provide a consumer-facing tier system. Acting under BSP Circular No. 1230 of February 2026, regulators raised the enhanced due diligence trigger for cash withdrawals from PHP 500,000 to PHP 1,000,000, leaving intact the Anti-Money Laundering Act’s separate PHP 500,000 line that makes a cash transaction a covered transaction with a mandatory report attached. Not a customer-facing limit, these obligations require the institution to report, and they reach across BSP-supervised institutions rather than cash agents alone.
Paying with Over-the-Counter Cash Agents at 77JILI
- Log into 77JILI, then head straight to the cashier.
- Choose Over-the-Counter Cash Agents from the payment methods your cashier lists for your account.
- Make sure the name on your 77JILI account matches the name on your Over-the-Counter Cash Agents account.
- Verify the amount only once the cashier screen’s minimum, maximum and any applicable fee have been reviewed.
Your account’s current limits appear right on the cashier screen, so give it a look before trying any deposit method for the first time.
Other payment rails explained here
- GCashThe Electronic Money Issuer designation it holds was issued by Bangko Sentral ng Pilipinas
- MayaBangko Sentral ng Pilipinas, recognising it both as an Electronic Money Issuer and as a registered Operator of Payment System
- GrabPayHolding Electronic Money Issuer status under Bangko Sentral ng Pilipinas from 2018 onward
- InstaPayBangko Sentral ng Pilipinas, which sets this rail's rules through the National Retail Payment System framework
- PESONetBangko Sentral ng Pilipinas, whose National Retail Payment System framework is the rulebook this batch rail follows
FAQ
Who regulates Over-the-Counter Cash Agents?
Over-the-Counter Cash Agents — regulation: Bangko Sentral ng Pilipinas, regulator of these money service businesses, together with the Anti-Money Laundering Act. That covers the rail, not the casino.
When you use Over-the-Counter Cash Agents, does it come with a fee attached?
There's no quotable fee schedule published by Over-the-Counter Cash Agents; check its own page directly for that.
Where does Over-the-Counter Cash Agents draw the line on wallet limits?
No wallet ceiling is published by Over-the-Counter Cash Agents, which is why none appears on this page.
How do I pay with Over-the-Counter Cash Agents at 77JILI?
Start by signing in and opening the cashier, where Over-the-Counter Cash Agents will show up among your account's available methods to select. Before hitting confirm, make sure the two accounts carry matching names and glance at what the cashier lists for limits.