JILI86 Over-the-Counter Cash Agents — Limits, Fees & Settlement
Over-the-Counter Cash Agents is a Philippine payment rail — regulation: Bangko Sentral ng Pilipinas brings these under its money-service-business rules, and the Anti-Money Laundering Act extends to them in parallel.
Key facts and contents
- Operator
- Rather than a single operator, several independently owned agent networks each carry their own BSP accreditation
- Regulator
- Bangko Sentral ng Pilipinas brings these under its money-service-business rules, and the Anti-Money Laundering Act extends to them in parallel
- Wallet limit
- Not published
- Per-transaction cap
- Not published
- Settlement
- cash passes hands at the counter right away, in person, while a linked wallet's credit can take anywhere from minutes to the same day depending on the receiving institution
- Figures as of
- 2026-09
As a payment rail, Over-the-Counter Cash Agents is this page’s subject. Details tied to one specific operator’s cashier are left out on purpose, and the final section explains that choice.
The short take on Over-the-Counter Cash Agents
| Field | Value |
|---|---|
| Operated by | Rather than a single operator, several independently owned agent networks each carry their own BSP accreditation — among them Palawan Pawnshop, Philippine Seven Corporation’s CliQQ counters in 7-Eleven, M Lhuillier and Cebuana Lhuillier — with wallets and billers contracting each one on its own |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | Not applicable to this rail |
| Per-transaction cap | Not applicable to this rail |
| Settlement | cash passes hands at the counter right away, in person, while a linked wallet’s credit can take anywhere from minutes to the same day depending on the receiving institution |
| Published fees | Not published |
No single rail exists here, so no rail-wide fee applies either — every agent network and every receiving wallet fixes its own rate. That free-to-PHP-8,000-then-2-per-cent OTC schedule belongs to GCash alone, since Cebuana Lhuillier, M Lhuillier and Palawan each publish nothing comparable for consumers
These figures reflect one moment, recorded 2026-09. Limits and fees get revised by payment providers without warning, making the provider’s own page the only place with current figures.
Verification tiers
Verification tiers for Over-the-Counter Cash Agents aren’t published anywhere that could be sourced, so this page lists none. Even so, identity verification is standard on regulated Philippine e-money accounts, and a lower-than-expected limit is usually explained by an unverified account.
These networks skip a consumer-facing tier system altogether. The only threshold that cuts across everything is regulatory: PHP 500,000 marks a covered transaction and mandatory report under the Anti-Money Laundering Act, while BSP Circular No. 1230 of February 2026 lifted the enhanced due diligence trigger for cash withdrawals from PHP 500,000 to PHP 1,000,000 These obligations require institutions, not customers, to report, and they extend broadly across BSP-supervised institutions instead of targeting cash agents alone.
Paying with Over-the-Counter Cash Agents at JILI86
- Sign in at JILI86 and open the cashier.
- Choose Over-the-Counter Cash Agents among the payment methods your cashier lists for your account.
- Make sure the name on your JILI86 account matches the name on your Over-the-Counter Cash Agents account.
- Take note of the minimum, the maximum and any fee the cashier screen shows, and only then confirm the amount.
Your account’s live limits appear on the cashier screen, so check it before the first deposit through any new method.
FAQ
How do I pay with Over-the-Counter Cash Agents at JILI86?
Once you're signed in, head into the cashier and select Over-the-Counter Cash Agents from your account's listed methods. Make sure the name on both accounts matches, and check the cashier's limits before you confirm.
Who regulates Over-the-Counter Cash Agents?
Over-the-Counter Cash Agents — regulation: Bangko Sentral ng Pilipinas brings these under its money-service-business rules, and the Anti-Money Laundering Act extends to them in parallel. That covers the rail, not the casino.
What kind of timeframe does Over-the-Counter Cash Agents run on?
The rail settles cash passes hands at the counter right away, in person, while a linked wallet's credit can take anywhere from minutes to the same day depending on the receiving institution. An operator's own review before a withdrawal goes out is separate, and it's usually longer.
Do Over-the-Counter Cash Agents come with any fees?
There is no quotable fee schedule published by Over-the-Counter Cash Agents, so go check its own page directly.