7SPIN Payment Methods — Every Rail, Its Limits & Its Rules

Each Philippine payment rail is described here by who runs it, how it’s licensed, and what it publishes about limits, fees and settlement. Every figure on this page has one of two homes — the provider’s own domain, or a Bangko Sentral ng Pilipinas document — reflecting how loosely affiliate sites tend to pass payment numbers around.

Everything in this section

Rail	Operated by	Settlement	Gambling position published
GrabPay	GPay Network Philippines	a wallet-to-wallet transfer settles in real time The wallet operates in Philippine pesos only	Yes
Debit and Credit Cards	Visa and Mastercard operate internationally	Not applicable	Yes
InstaPay	Philippine Payments Management	processed in real time	No
Over-the-Counter Cash Agents	Individually contracted by wallets and billers	cash gets handed over in person at the counter right then	No
PESONet	Handling the clearing switch	missing the clearing house cut-off pushes settlement to the next banking day	No
Bank Transfer	Philippine Payments Management	same banking day settlement comes via PESONet if the cut-off is beaten	No

Instead of rolling several entries into a summary, this area uses 6 pages, one entry to a page. When a field above is marked “not published”, that entry’s page sets out who bore responsibility for publishing it.

Each entry in a paragraph

There’s just enough per entry to tell you which page is worth your click.

GrabPay explained

Operator: GPay Network Philippines, Inc. issues e-money for Grab under a Philippine licence.

Published limit: PHP 250,000 monthly for a driver or merchant wallet, well past the PHP 100,000 on a Standard Consumer wallet and PHP 10,000 on a Restricted wallet.

On gambling: The sharpest, least ambiguous gambling rule among the Philippine e-wallets examined belongs to this one, and it reads as a prohibition.

The Debit and Credit Cards entry

Operator: Visa and Mastercard operate internationally, and BancNet operates domestically for debit.

Rather than leaving the field blank, it’s marked not applicable, since a wallet limit doesn’t apply to this rail as a concept.

On gambling: On the subject of gambling transactions, nothing Philippine-specific from BSP, Visa, or Mastercard surfaced.

The InstaPay entry

Operator: Philippine Payments Management, Inc., which handles operation of the automated clearing house under BSP’s oversight.

Rather than leaving the field blank, it’s marked not applicable, since a wallet limit doesn’t apply to this rail as a concept.

InstaPay publishes no position on gambling transactions. No permission is implied there — merchant-category rules routinely apply unpublished, and a decline can happen without a single public rule attached.

Over-the-Counter Cash Agents, in detail

Operator: Individually contracted by wallets and billers, several agent networks — Cebuana Lhuillier, M Lhuillier, Palawan Pawnshop, Philippine Seven Corporation’s CliQQ counters in 7-Eleven and others — operate independently and hold their own separate BSP accreditation, rather than one operator running things.

Rather than leaving the field blank, it’s marked not applicable, since a wallet limit doesn’t apply to this rail as a concept.

Over-the-Counter Cash Agents keeps its position on gambling transactions unpublished — there isn’t one. No permission is implied there — merchant-category rules routinely apply unpublished, and a decline can happen without a single public rule attached.

PESONet explained

Operator: Handling the clearing switch, as designated by Philippine Payments Management, Inc., is the Philippine Clearing House Corporation.

Rather than leaving the field blank, it’s marked not applicable, since a wallet limit doesn’t apply to this rail as a concept.

PESONet publishes no position on gambling transactions. No permission is implied there — merchant-category rules routinely apply unpublished, and a decline can happen without a single public rule attached.

Bank Transfer, in detail

Operator: Philippine Payments Management, Inc., overseen by the BSP, operates both clearing houses, leaving transfer execution to individual BSP-supervised banks and e-money issuers.

Rather than leaving the field blank, it’s marked not applicable, since a wallet limit doesn’t apply to this rail as a concept.

Bank Transfer has never put out a public position covering gambling transactions. No permission is implied there — merchant-category rules routinely apply unpublished, and a decline can happen without a single public rule attached.

The thing most often got wrong here

Comparing wallet limits with one number doesn’t work — there isn’t a single figure that does it. Maya’s published figure covers a full month, while GCash’s covers the balance ceiling at any given moment. Because the measurements differ, a table that shows PHP 100,000 alongside PHP 100,000 as if they were the same is really setting a bucket beside a tap.

Which of the two is behind a given page’s quote is always stated on that page. The limit triggered by holding funds isn’t the limit triggered by moving them, and no table design fixes that mismatch.

For the payment methods details, the game itself is where to look

A site like this sees its payment numbers go stale before any other content does. Each item here takes no more than a couple of minutes to recheck:

1. Rather than a comparison page, pull up the provider’s own help centre. None of GCash, Maya or Grab has left its published limits and terms unchanged in the last two years, and each hosts them on its own domain.
2. Locate which tier a quoted limit actually belongs to. Circulating wallet figures are almost always the top-tier number, misapplied to new accounts, which in fact sit on the bottom tier.
3. Rather than phoning a bank, pull up the BSP FAQ PDFs for InstaPay and PESONet. Look to the scheme level for the per-transaction cap and who pays the fee; a bank’s own page won’t go beyond its own charges.
4. Gambling and payments issues are covered by one document worth reading fully: the provider’s acceptable use policy. GrabPay’s terms of service hold the prohibition rather than any help article, making it the plainest statement of any provider on this list.
5. These pages carry figures that should be read as dated September 2026. The exact reason every page names a source is this one.

Using these payment methods at 7SPIN

1. Sign in at 7SPIN and open the cashier.
2. Review the methods the cashier offers your account, pick one, and note the limits it carries.
3. Make sure the name on your 7SPIN account matches the name on your bank or wallet.
4. Make sure the amount is confirmed, and keep the reference number close until the balance changes.