NinoGaming Over-the-Counter Cash Agents — Limits, Fees & Settlement
Over-the-Counter Cash Agents is a Philippine payment rail regulated by Bangko Sentral ng Pilipinas, as money service businesses, and the Anti-Money Laundering Act.
- Operator
- Not one operator but a set of independently owned, separately BSP-accredited agent networks
- Regulator
- Bangko Sentral ng Pilipinas, as money service businesses, and the Anti-Money Laundering Act
- Settlement
- immediately and in person: cash changes hands at the counter, and a linked wallet is credited within minutes to the same day depending on the receiving institution
- Figures as of
- 2026-09
Not published by the source: Wallet limit, Per-transaction cap.
This page covers Over-the-Counter Cash Agents the payment rail. Anything specific to a particular operator’s cashier is deliberately absent, and the last section explains why.
Over-the-Counter Cash Agents at a glance
| Field | Value |
|---|---|
| Operated by | Not one operator but a set of independently owned, separately BSP-accredited agent networks — Philippine Seven Corporation’s CliQQ counters in 7-Eleven, Cebuana Lhuillier, M Lhuillier, Palawan Pawnshop and others — each contracted separately by individual wallets and billers |
| Regulated by | Bangko Sentral ng Pilipinas, as money service businesses, and the Anti-Money Laundering Act |
| Wallet limit | Not applicable to this rail |
| Per-transaction cap | Not applicable to this rail |
| Settlement | immediately and in person: cash changes hands at the counter, and a linked wallet is credited within minutes to the same day depending on the receiving institution |
| Published fees | Not published |
There is no rail-wide fee, because there is no rail — each agent network sets its own rate and each receiving wallet sets its own. GCash’s own free-to-PHP-8,000-then-2-per-cent OTC schedule is a GCash charge and must not be attributed to Cebuana Lhuillier, M Lhuillier or Palawan, none of which publishes a comparable consumer schedule.
Figures here are point-in-time, recorded 2026-09. Payment providers revise limits and fees without notice, and the provider’s own page is the only current source.
Verification tiers
No published verification tiers for Over-the-Counter Cash Agents could be sourced, so none are listed. Identity verification is nevertheless standard on regulated Philippine e-money accounts, and an unverified account is usually the reason a limit is lower than expected.
There is no consumer-facing tier system across these networks. The one genuine cross-cutting threshold is regulatory: under the Anti-Money Laundering Act a cash transaction above PHP 500,000 is a covered transaction and triggers a mandatory report, and BSP Circular No. 1230 of February 2026 raised the enhanced due diligence trigger for cash withdrawals from PHP 500,000 to PHP 1,000,000. Those are reporting obligations on the institution, not limits on the customer, and they apply across BSP-supervised institutions rather than to cash agents specifically.
Paying with Over-the-Counter Cash Agents at NinoGaming
- Sign in at NinoGaming and open the cashier.
- Pick Over-the-Counter Cash Agents from the payment methods the cashier lists for your account.
- Make sure the name on your NinoGaming account matches the name on your Over-the-Counter Cash Agents account.
- Check the minimum, maximum and any fee on the cashier screen, then confirm the amount.
The cashier screen shows the live limits for your account, so read it before every first deposit with a new method.
Other payment rails explained here
- GrabPay GrabPayBangko Sentral ng Pilipinas, licensed as an Electronic Money Issuer since 2018
- Bank Transfer Bank TransferBangko Sentral ng Pilipinas, under the National Retail Payment System framework established by Circular No. 980
- Debit and Credit Cards Debit and Credit CardsBangko Sentral ng Pilipinas, under Republic Act No. 10870, Circular No. 1003 and the Manual of Regulations for Banks
FAQ
How do I pay with Over-the-Counter Cash Agents at NinoGaming?
Sign in, open the cashier and pick Over-the-Counter Cash Agents from the methods it lists for your account. Match the name on both accounts, and check the limits the cashier shows before you confirm.
What is the Over-the-Counter Cash Agents wallet limit?
Over-the-Counter Cash Agents publishes no wallet ceiling, so none is quoted here.
Who regulates Over-the-Counter Cash Agents?
Bangko Sentral ng Pilipinas, as money service businesses, and the Anti-Money Laundering Act.
Does Over-the-Counter Cash Agents charge fees?
Over-the-Counter Cash Agents publishes no fee schedule in a quotable form; its own page is the place to check.