7SPIN Over-the-Counter Cash Agents — Limits, Fees & Settlement

The payment rail covered on this page is Over-the-Counter Cash Agents. Deliberately absent here is anything tied to a particular operator’s cashier, with the last section giving the reason.

A compact primer on Over-the-Counter Cash Agents

Field	Value
Operated by	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
Regulated by	Bangko Sentral ng Pilipinas
Wallet limit	Not applicable to this rail
Per-transaction cap	Not applicable to this rail
Settlement	cash gets handed over in person at the counter right then, while the linked wallet can take from a few minutes to the same day, depending on which institution receives it
Published fees	Not published

Without a shared rail, no rail-wide fee can apply, so rates fall to each agent network and each receiving wallet individually. That OTC pricing structure, free up to PHP 8,000 and 2 per cent beyond, is GCash’s own charge, distinct from Cebuana Lhuillier, M Lhuillier and Palawan, none of which has published a similar consumer schedule.

The numbers on this page date to 2026-09 and reflect that moment only. No notice accompanies changes payment providers make to limits and fees, so the provider’s own page is the only place with current numbers.

Verification tiers

This list carries no verification tiers for Over-the-Counter Cash Agents, as none could be traced to a published source. Identity verification continues to be required on regulated Philippine e-money accounts, and accounts without it are the usual explanation for a limit below expectations.

Consumers see no tier system in place across these networks. In line with the Anti-Money Laundering Act, a cash transaction above PHP 500,000 is classed as a covered transaction and must be flagged in a mandatory report, and in line with BSP Circular No. 1230 of February 2026, the enhanced due diligence trigger for cash withdrawals was moved from PHP 500,000 to PHP 1,000,000. Applying broadly to BSP-supervised institutions rather than cash agents specifically, these reporting obligations sit with the institution, not the customer.

Paying with Over-the-Counter Cash Agents at 7SPIN

1. Sign in at 7SPIN and open the cashier.
2. Choose Over-the-Counter Cash Agents once you see it among your account’s payment methods at the cashier.
3. Make sure the name on your 7SPIN account matches the name on your Over-the-Counter Cash Agents account.
4. Pull up the cashier screen, note the minimum, maximum and any fee, and confirm the amount after.

Check the cashier screen ahead of a first deposit with any new method — the live limits for your account are shown there.