Jolibet Over-the-Counter Cash Agents — Limits, Fees & Settlement
Over-the-Counter Cash Agents is a Philippine payment rail — regulation: As money service businesses regulated by Bangko Sentral ng Pilipinas, and covered by the Anti-Money Laundering Act.
| Fact | Value |
|---|---|
| Operator | A single operator is not behind this |
| Regulator | As money service businesses regulated by Bangko Sentral ng Pilipinas, and covered by the Anti-Money Laundering Act |
| Wallet limit | Not published |
| Per-transaction cap | Not published |
| Settlement | on the spot for in-person cash at the counter, with the linked wallet's credit arriving within minutes to the same day depending on the receiving institution |
| Figures as of | 2026-09 |
This page is about Over-the-Counter Cash Agents, the payment rail. The reason anything specific to a particular operator’s cashier is missing here is explained in the last section.
Over-the-Counter Cash Agents overview
| Field | Value |
|---|---|
| Operated by | A single operator is not behind this; rather, separately BSP-accredited, independently owned agent networks are, including Cebuana Lhuillier, Palawan Pawnshop, M Lhuillier and the CliQQ counters Philippine Seven Corporation operates in 7-Eleven, each 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 | on the spot for in-person cash at the counter, with the linked wallet’s credit arriving within minutes to the same day depending on the receiving institution |
| Published fees | Not published |
A rail-wide fee would require a rail, and none exists — so rates vary, set separately by each agent network and each receiving wallet. It would be wrong to credit Cebuana Lhuillier, M Lhuillier, or Palawan with the OTC schedule that’s free up to PHP 8,000 and 2 per cent above that, since it’s GCash’s own charge and none of the three publishes a matching consumer rate.
These figures were recorded at 2026-09, a snapshot. Limits and fees at payment providers can shift without notice, so check the provider’s own page for what’s current.
Verification tiers
Verification tiers for Over-the-Counter Cash Agents aren’t shown here, as none could be sourced from a published record. Regulated Philippine e-money accounts still make identity verification standard, and a limit lower than expected is usually explained by an account lacking it.
A tier system that consumers can see isn’t used by these networks. Two regulatory figures matter here: the Anti-Money Laundering Act sets PHP 500,000 as the threshold above which a cash transaction is a covered transaction with a mandatory report, and BSP Circular No. 1230 of February 2026 moved the enhanced due diligence trigger for cash withdrawals from that same PHP 500,000 up to PHP 1,000,000. Customers aren’t limited by these — institutions are the ones with reporting obligations, applied across BSP-supervised institutions rather than targeted at cash agents.
Paying with Over-the-Counter Cash Agents at Jolibet
- Sign in at Jolibet and open the cashier.
- In the cashier’s list of payment methods for your account, choose Over-the-Counter Cash Agents.
- Make sure the name on your Jolibet account matches the name on your Over-the-Counter Cash Agents account.
- Minimum, maximum and any fee appear on the cashier screen — check them, then confirm the amount.
Read the cashier screen before every first deposit with a new method, since it shows your account’s live limits.
FAQ
How quickly does Over-the-Counter Cash Agents process?
The rail settles on the spot for in-person cash at the counter, with the linked wallet's credit arriving within minutes to the same day depending on the receiving institution. An operator's own pre-release review of a withdrawal is separate, and it tends to run longer.
What is the limit on the Over-the-Counter Cash Agents wallet?
Since Over-the-Counter Cash Agents publishes no wallet ceiling of its own, none is stated here.
How do I pay with Over-the-Counter Cash Agents at Jolibet?
Once signed in, go to the cashier and pick Over-the-Counter Cash Agents from your account's listed methods. Match the name across both accounts first, then check what limits the cashier shows before confirming.
Who regulates Over-the-Counter Cash Agents?
Over-the-Counter Cash Agents — regulation: As money service businesses regulated by Bangko Sentral ng Pilipinas, and covered by the Anti-Money Laundering Act. That covers the rail, not the casino.
Other payment rails explained here
| Guide | What it covers |
|---|---|
| GrabPay | Bangko Sentral ng Pilipinas granted the Electronic Money Issuer licence back in 2018 |
| InstaPay | Bangko Sentral ng Pilipinas, whose National Retail Payment System framework sets the rules it runs under |
| PESONet | Bangko Sentral ng Pilipinas, whose National Retail Payment System framework sets the rules it runs under |
| Bank Transfer | Bangko Sentral ng Pilipinas, working within the National Retail Payment System framework set up by Circular No. 980 |
| Debit and Credit Cards | Bangko Sentral ng Pilipinas, drawing on Circular No. 1003, the Manual of Regulations for Banks and, separately, Republic Act No. 10870 |