SSBET77 Over-the-Counter Cash Agents — Limits, Fees & Settlement
Over-the-Counter Cash Agents is a Philippine payment rail — regulation: Classified by Bangko Sentral ng Pilipinas as money service businesses, and covered too by the Anti-Money Laundering Act.
- Operator
- Rather than a single operator, independently owned agent networks that are each separately BSP-accredited run this
- Regulator
- Classified by Bangko Sentral ng Pilipinas as money service businesses, and covered too by the Anti-Money Laundering Act
- Settlement
- on the spot in person for cash across the counter, then within minutes to the same day for the linked wallet, depending on the receiving institution
- Figures as of
- 2026-09
Not published by the source:
- Wallet limit
- Per-transaction cap
Discussion of Philippine casinos brings up Over-the-Counter Cash Agents often, typically with figures traceable to the casino rather than to Over-the-Counter Cash Agents. This page relies on figures the provider itself has published.
Over-the-Counter Cash Agents, quickly covered
| Field | Value |
|---|---|
| Operated by | Rather than a single operator, independently owned agent networks that are each separately BSP-accredited run this — including M Lhuillier, Cebuana Lhuillier, Palawan Pawnshop, and Philippine Seven Corporation’s CliQQ counters in 7-Eleven — with individual wallets and billers contracting each one separately. |
| 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 in person for cash across the counter, then within minutes to the same day for the linked wallet, depending on the receiving institution |
| Published fees | Not published |
There simply isn’t a rail here, so there’s no rail-wide fee; each agent network and each receiving wallet fixes its own rate instead. The OTC schedule of free up to PHP 8,000 then 2 per cent belongs to GCash alone and should not be pinned on Cebuana Lhuillier, M Lhuillier or Palawan, none of which has published anything comparable for consumers.
This data is point-in-time, recorded 2026-09. Payment providers can update limits and fees anytime without notice, and only the provider’s own page stays current.
Verification tiers
None appear here because published verification tiers for Over-the-Counter Cash Agents couldn’t be located. On regulated Philippine e-money accounts, identity verification is still required, and a lower-than-expected limit usually points to an account where that step is missing.
A tier system aimed at consumers is not something these networks operate. Pursuant to the Anti-Money Laundering Act, a mandatory report follows any cash transaction above PHP 500,000 once it is deemed a covered transaction, and pursuant to BSP Circular No. 1230 of February 2026, the enhanced due diligence trigger for cash withdrawals now sits at PHP 1,000,000, up from PHP 500,000. The customer faces no limit here, it’s the institution under reporting obligations, and this spans BSP-supervised institutions generally, not cash agents alone.
Paying with Over-the-Counter Cash Agents at SSBET77
- Sign in at SSBET77 and open the cashier.
- Look for Over-the-Counter Cash Agents among the account’s payment methods listed by the cashier.
- Make sure the name on your SSBET77 account matches the name on your Over-the-Counter Cash Agents account.
- Before confirming the amount, check the cashier screen for the minimum, maximum and any fee.
Your account’s live limits show on the cashier screen, so look there before any first deposit with a new method.
Other payment rails explained here
- GCashBangko Sentral ng Pilipinas, the licensor behind its Electronic Money Issuer status
- MayaTwo designations apply here from Bangko Sentral ng Pilipinas: Electronic Money Issuer, plus a registered status as Operator of Payment System
- GrabPayAn Electronic Money Issuer licence from Bangko Sentral ng Pilipinas, held since 2018
- Bank TransferBangko Sentral ng Pilipinas, through the National Retail Payment System framework established under Circular No. 980
- Debit and Credit CardsBangko Sentral ng Pilipinas, pursuant to Circular No. 1003, Republic Act No. 10870 and also the Manual of Regulations for Banks
FAQ
Any fees involved with Over-the-Counter Cash Agents?
A quotable fee schedule for Over-the-Counter Cash Agents doesn't exist; check its own page for that.
Who regulates Over-the-Counter Cash Agents?
Over-the-Counter Cash Agents — regulation: Classified by Bangko Sentral ng Pilipinas as money service businesses, and covered too by the Anti-Money Laundering Act. That covers the rail, not the casino.
How high does the Over-the-Counter Cash Agents wallet limit go?
Over-the-Counter Cash Agents sets no public wallet ceiling of its own, so this page states none.
What's the typical processing time for Over-the-Counter Cash Agents?
The rail settles on the spot in person for cash across the counter, then within minutes to the same day for the linked wallet, depending on the receiving institution. Most of the delay comes from a separate step: the operator's internal review that precedes a withdrawal's release.