Ph987 payment methods for Filipino players
Every rail side by side: minimums, ceilings, fees and the timings you can realistically plan around.
Go to Ph987 →Four rails cover Philippine gaming cashiers: GCash, Maya, bank transfer over InstaPay and QR Ph, and cash-in at retail counters. GCash is the widest by coverage, with a ₱100,000 balance and a ₱100,000 daily transfer ceiling once fully verified; Maya carries higher limits; InstaPay clears in real time up to ₱50,000 per transaction and PESONet handles larger amounts on the next banking day. Fees on these rails come from the wallet or bank, not from the operator.
The Philippine payment landscape behind a gaming cashier
- Four rails cover almost every Filipino account: GCash, Maya, bank transfer over InstaPay or QR Ph, and cash-in at retail counters.
- GCash is the widest rail by coverage; a fully verified wallet holds up to ₱100,000 and moves up to ₱100,000 in a day.
- Maya is the practical choice above those ceilings, because verified accounts carry higher limits.
- QR Ph is the national QR standard, so the same code works across BDO, BPI, Metrobank, UnionBank and the rest of the InstaPay network.
- InstaPay clears in real time up to ₱50,000 per transaction; PESONet handles larger amounts on a next-banking-day cycle.
- GCash charges 2% on over-the-counter cash-in above a free monthly allowance of ₱8,000, and up to ₱50 for top-ups through partner banks — those are wallet fees, not operator fees.
- Since August 2025 wallets no longer carry gambling entry points, so every transaction is initiated from the operator's cashier.
Which rail fits which situation
| Situation | Best rail | Why |
|---|---|---|
| First small deposit | GCash | Widest coverage and an entry point around ₱100 |
| Above the GCash ceiling | Maya | Higher limits on a fully verified account |
| Paying from a salary account | InstaPay or QR Ph | Real time up to ₱50,000 per transaction |
| A large one-off transfer | PESONet | No real-time cap, settles next banking day |
| No bank account at all | Cash counter into a wallet | Counter top-up, then fund from the wallet |
Payment methods
GCash
| Type | E-wallet |
|---|---|
| Minimum | Most Philippine cashiers start at ₱100 |
| Maximum | Fully verified wallet: ₱100,000 balance and a ₱100,000 daily transfer ceiling (semi-verified ₱50,000, unverified ₱10,000) |
| Deposit fee | No wallet fee on transfers to an operator cashier |
| Withdrawal fee | No wallet fee; GCash charges 2% on over-the-counter cash-in above the free monthly allowance of ₱8,000 |
| Processing time | 15 to 120 minutes on a normal day, up to 24 hours at peak |
Step by step
- Open the Ph987 cashier first and pick GCash there — since August 2025 gambling entries have been removed from the wallet app itself.
- Enter the mobile number registered to your GCash account; the name must match the name on the gaming account.
- Approve the push request in GCash before the 5-minute window expires and wait for the balance to appear.
Maya
| Type | E-wallet |
|---|---|
| Minimum | Most Philippine cashiers start at ₱100 |
| Maximum | Fully verified accounts carry noticeably higher ceilings than GCash, which suits larger transfers |
| Deposit fee | No wallet fee on transfers to an operator cashier |
| Withdrawal fee | No wallet fee; standard Maya tariffs apply when you move money on to a bank or cash-out point |
| Processing time | 1 to 3 hours in most cases |
Step by step
- Choose Maya in the cashier and copy the exact reference code the page shows.
- Confirm the transfer in the Maya app from the account registered in your own name.
- Keep the receipt until the amount is credited — support asks for it if a transfer is delayed.
Online banking, InstaPay and QR Ph (BDO, BPI, Metrobank, UnionBank)
| Type | Bank transfer |
|---|---|
| Minimum | Set by your own bank, commonly ₱100 to ₱500 |
| Maximum | InstaPay is built for real-time transfers of up to ₱50,000 per transaction; larger amounts move through PESONet on a next-banking-day cycle |
| Deposit fee | Many banks waive InstaPay charges; some still bill ₱10 to ₱25 per transfer |
| Withdrawal fee | Charged by the bank, not the wallet — check your own tariff sheet |
| Processing time | Minutes on InstaPay and QR Ph; PESONet settles on the next banking day |
Step by step
- Select the bank rail in the cashier and note the reference number before you leave the page.
- Send the transfer from an account in your own name — third-party funding is refused at verification.
- Scan the QR Ph code inside your banking app if the cashier offers one; it fills the details automatically.
Cash-in at retail outlets
| Type | Cash over the counter |
|---|---|
| Minimum | Usually ₱100 at partner counters |
| Maximum | Counter limits are low, commonly ₱10,000 to ₱20,000 per visit |
| Deposit fee | Usually none at the counter; GCash bills 2% for over-the-counter cash-in above ₱8,000 in a calendar month |
| Withdrawal fee | Not used for withdrawals — cash counters are a funding rail only |
| Processing time | Credited at the counter within a few minutes |
Step by step
- Load the cash into your own e-wallet at the counter, then fund the gaming account from the wallet.
- Never hand cash to a person who offers to 'top up' a gaming account for you — that pattern is how account takeovers start.
- Keep the printed slip; it is the only proof a counter transaction ever happened.
Where the fees actually come from
Players often assume a gaming cashier is charging them. In the Philippines it is usually the wallet or the bank. GCash bills 2% on over-the-counter cash-in above a free allowance of ₱8,000 in a calendar month, and up to ₱50 when topping up through a partner bank; several banks still bill ₱10 to ₱25 for an InstaPay transfer. Transfers between a wallet and an operator cashier are typically free on the wallet side.
That distinction matters when a payout arrives short. Before opening a support ticket, check the wallet or bank statement for the deduction — the operator's records will show the full amount sent, and the difference is almost always a provider charge. The withdrawal-side detail is on Withdrawal Methods.
Why the deposit has to start in the cashier
In August 2025 the central bank required gambling entry points to be removed from e-wallet apps, so the old habit of finding a gaming brand inside a wallet's mini-app menu no longer works. The flow runs the other way now: open the operator's cashier, choose the rail, take the reference, and only then confirm inside the wallet.
The upside is a cleaner audit trail. Each transfer carries a reference tied to one account, which is what support traces when money is delayed, and it makes third-party funding — the most common cause of a blocked first withdrawal — much harder to do by accident.