PHTAYA Debit and Credit Cards — Limits, Fees & Settlement
Debit and Credit Cards is a Philippine payment rail — regulation: Bangko Sentral ng Pilipinas relies on Circular No. 1003, Republic Act No. 10870 and the Manual of Regulations for Banks here.
Key facts and contents
- Operator
- BancNet covers domestic debit while Visa and Mastercard cover the international side. Issuance of the cards rests with individual BSP-supervised banks rather than with the networks
- Regulator
- Bangko Sentral ng Pilipinas relies on Circular No. 1003, Republic Act No. 10870 and the Manual of Regulations for Banks here
- Wallet limit
- Not published
- Per-transaction cap
- Not published
- Settlement
- Not published
- Figures as of
- 2026-09
Coming up: Debit and Credit Cards as a payment method — who’s behind it, how it’s licensed, and its published limits and fees.
Debit and Credit Cards at a glance
| Field | Value |
|---|---|
| Operated by | BancNet covers domestic debit while Visa and Mastercard cover the international side. Issuance of the cards rests with individual BSP-supervised banks rather than with the networks |
| 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 | In place of the 24 per cent cap set in 2020, BSP Circular No. 1165 of 2023 now limits credit card interest and finance charges on revolving balances to 36 per cent a year, or 3 per cent a month. Under that circular, cash advance processing costs no more than a flat PHP 200 per transaction, and nothing further may be added. Merchant discount and interchange rates fall outside any BSP cap and are instead worked out commercially by acquirer and merchant; since the commonly cited percentages for them have no primary source, they don’t appear here. |
These numbers were logged as a single snapshot in 2026-09. Limits and fees aren’t fixed — providers change them without notice, and their own page is the sole place carrying the current figures.
Gambling transactions, according to Debit and Credit Cards
A Philippine-specific statement on gambling transactions from BSP, Visa or Mastercard couldn’t be tracked down anywhere. Explicit acquirer approval is needed for merchant category code 7995, the restricted classification gambling merchants carry industry-wide, and many issuing banks reportedly turn it away by default. This description traces to general payments explainers rather than any Philippine statement by the networks or regulator, and its only function here is explaining a possible gambling-merchant card decline absent a published rule, not asserting a sourced fact about Philippine cards.
Paying with Debit and Credit Cards at PHTAYA
- At PHTAYA, sign in first and pull up the cashier next.
- When your account’s cashier displays its payment methods, Debit and Credit Cards is the one to select.
- Make sure the name on your PHTAYA account matches the name on your Debit and Credit Cards account.
- The cashier screen lays out the minimum, maximum and any fee — review these first, then confirm the amount.
Before trying a new deposit method for the first time, take a look at the cashier screen, since your account’s live limits appear there.
FAQ
Does Debit and Credit Cards charge fees?
Published fees: In place of the 24 per cent cap set in 2020, BSP Circular No. 1165 of 2023 now limits credit card interest and finance charges on revolving balances to 36 per cent a year, or 3 per cent a month. Under that circular, cash advance processing costs no more than a flat PHP 200 per transaction, and nothing further may be added. Merchant discount and interchange rates fall outside any BSP cap and are instead worked out commercially by acquirer and merchant; since the commonly cited percentages for them have no primary source, they don't appear here.. Providers revise these without notice.
Who regulates Debit and Credit Cards?
Debit and Credit Cards — regulation: Bangko Sentral ng Pilipinas relies on Circular No. 1003, Republic Act No. 10870 and the Manual of Regulations for Banks here. That covers the rail, not the casino.
How do I pay with Debit and Credit Cards at PHTAYA?
You'll find Debit and Credit Cards among your account's cashier options right after you sign in and open it. Line up the account names first, then review whatever limits the cashier is displaying, before confirming.
What kind of processing time should you expect from Debit and Credit Cards?
Debit and Credit Cards has kept its settlement time out of anything it publishes.