TAYA777 Debit and Credit Cards — Limits, Fees & Settlement

This section looks at Debit and Credit Cards as a payment method: who operates it, how it’s licensed, and its published limits and fees.

Debit and Credit Cards at a glance

Field	Value
Operated by	The Visa and Mastercard international schemes sit on one side, with BancNet handling debit domestically. Networks aren’t the issuers here; individual BSP-supervised banks handle that role for the cards
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	Finance charges and interest on revolving credit card balances are now limited to 36 per cent a year, or 3 per cent a month, a figure BSP Circular No. 1165 of 2023 set to replace the 24 per cent cap set in 2020. That circular allows nothing beyond a flat PHP 200 per transaction as the processing fee cap on cash advances. This page leaves out the percentages usually quoted for merchant discount and interchange rates, since none trace to a primary source; those rates are instead negotiated commercially between acquirer and merchant, free of any BSP cap.

The figures shown reflect 2026-09, a single point in time. Payment providers revise their limits and fees quietly, so the provider’s own page remains the only current source.

How Debit and Credit Cards treats gambling transactions

Nothing Philippine-specific from BSP, Visa, or Mastercard regarding gambling transactions turned up anywhere. Requiring explicit acquirer approval, merchant category code 7995 is the restricted classification gambling merchants carry industry-wide, and many issuing banks reportedly decline it as standard practice. Sourced from general explainers about payments rather than a Philippine-specific statement from networks or the regulator, this description exists here purely to explain a gambling-merchant card decline that has no published rule behind it — it is not a claim of established fact about Philippine cards.

Paying with Debit and Credit Cards at TAYA777

1. Sign in at TAYA777 and open the cashier.
2. Your account’s cashier lists several payment methods — pick Debit and Credit Cards.
3. Make sure the name on your TAYA777 account matches the name on your Debit and Credit Cards account.
4. The cashier screen lists a minimum, maximum and any fee — check all three, then confirm the amount.

The cashier screen reflects your account’s live limits, so it’s worth reading before every first deposit with a new method.