PHFUN Debit and Credit Cards — Limits, Fees & Settlement

This page describes the rail itself rather than any casino’s cashier, and Debit and Credit Cards is a Philippine payment rail — its limits, its settlement behaviour and its published fees.

Debit and Credit Cards at a glance

Field	Value
Operated by	Visa and Mastercard as the international schemes, plus BancNet where domestic debit is concerned. Individual BSP-supervised banks, not the networks, being the issuers of the cards themselves
Regulated by	Bangko Sentral ng Pilipinas
Wallet limit	Not applicable to this rail
Per-transaction cap	Not applicable to this rail
Settlement	Not applicable to this rail
Published fees	Credit card interest and finance charges on revolving balances are capped by BSP Circular No. 1165 of 2023 at 36 per cent annually, or 3 per cent monthly, superseding the 2020 cap of 24 per cent. The same circular limits cash advance processing to a flat PHP 200 per transaction and forbids any other fee on top. Merchant discount and interchange come down to commercial negotiation between acquirer and merchant, outside any BSP cap, and the figures commonly quoted lack a primary source, which is why they are not repeated.

These figures were recorded in 2026-09 and hold at that point in time. Limits and fees are revised by payment providers without notice, so the provider’s own page is the only current source.

Debit and Credit Cards and its stance on gambling transactions

A Philippine-specific position on gambling transactions from BSP, Visa or Mastercard could not be sourced. Under merchant category code 7995, which files every gambling merchant in the industry as a restricted class needing an acquirer’s explicit approval, many issuing banks are described as saying no by default. Nothing from the networks or the regulator in the Philippines backs that description, which comes from general payments explainers; it is used only as the reason a card payment to a gambling merchant may be declined with no published rule to point at, and not as a sourced fact about Philippine cards.

Paying with Debit and Credit Cards at PHFUN

1. Sign in at PHFUN and open the cashier.
2. Choose Debit and Credit Cards from the payment methods listed in the cashier for your account.
3. Make sure the name on your PHFUN account matches the name on your Debit and Credit Cards account.
4. Start with the cashier screen for the minimum, maximum and any fee, then confirm your amount.

Because the cashier screen displays the live limits for your account, check it before making a first deposit with any new method.