Home » Articles » Finance / Wealth

M Lhuillier (ML) Kwarta Padala Terms and Conditions (Money Transfer)

A money-transfer service provider in the Philippines, M. Lhuillier Kwarta Padala has over 1,400 branches all over the country.

We cannot underestimate its importance in bridging the gap of many Filipinos in terms of money transfer. We know how it serves as a bridge of many OFWs to send money to their families in the Philippines.
On other hand, we, as a customer, must also know our responsibility, the terms and conditions of M. Lhuillier Kwarta Padala.
Aren't you aware of the most frequently asked and useful questions such as...?
  • Is a person below 18 years old (minor) qualified to send or receive money in M Lhuillier?
  • Does M. Lhuillier Kwarta Padala accept bank check for money transfer?
  • Does M. Lhuillier has the option to give check to the receiver?
  • What to do if you forgot the password made by the sender of money?
  • After the money was sent by the sender, how many hours you should wait to pickup the money?
  • Are there any charges if the sender chooses to cancel his/her transaction?
  • Does MLhuiller accepts check (cheque)?
  • What will happen if you didn't pick-up the money or if the receiver didn't pick-up the money after one month?
These questions will be answered one by one as you read the ML Kwarta Padala Terms and Conditions below. Take note of the underlined statements.
M Lhuillier (ML) Kwarta Padala Terms and Conditions (Money Transfer)
1.  The ML Kwarta Padala money transfer service is available in all M. Lhuillier Financial Services, Inc. (MLFSI) branches nationwide. The sender must ascertain that there is an open branch near his/her receiver where the latter can claim the money.
2.  The sender and the receiver must be personally present, must be of legal age, must submit a valid ID, must comply with the Know Your Customer (KYC) from and the Customer Information Sheet and must subscribe to the AMLC rules and regulations and other applicable laws in making the transaction.
3.  The sender must write the full name of the receiver including the full middle name in the Customer Information Sheet or the MLKP form. Should the sender fail to give the full middle name of the receiver, it shall be considered a waiver on his part to include this information in verifying the transaction, MLhuillier shall not be held liable for any paid transaction to a receiver whose full middle name information was waived by the sender. Incorrect spelling of the receiver's name(s) may cause delay in paying out the transaction.
4. The sender hereby agrees that the transaction shall be released to the claimant receiver if the latter can present Kwarta Padala Transaction Number (KPTN) and comply with the valid ID, KYC and all other requirements as may be required by law.
5. The sender must relay to the receiver the complete and correct KPTN and must advise the receiver to bring a valid ID for additional verification purposes.
6. The sender may waive the age requirement of the receiver. However, a minor receiver can only claim the money provided said minor is a relative of the sender to the 4th civil degree or a godchild/ward/beneficiary of the sender or whose relationship with the sender is such that it does not violate the Child Trafficking Law. The said minor receiver must still comply with the identification requirements mentioned herein. Minors below 12 years old must be accompanied by his/her guardian. The said guardian must comply with the requirements in Item No. 2 herein.
7. MLFSI accepts only cash (Philippine Pesos) in processing money transfers and the receiver is paid in cash (Philippine Pesos) at the payout location unless otherwise agreed upon by the parties in a special contract.
8. The sender may add a message to the transaction. However, the message must not be of such a nature that contractual obligations arise thereof between the sender and the receiver. If such is the case, the sender absolves M. Lhuillier from any liability or responsibility arising from the failure of the delivery of the message.
9.  The sender and the receiver may be notified of the status of the transaction via SMS provided their cellular phone numbers were furnished by the sender to M. Lhuillier. Should there be a failure in notifying the receiver for any reason whatsoever, M. Lhuillier shall not be liable for the failure in providing said information.
10.  The money is available for personal pickup in any M. Lhuillier branch nationwide, subject to the hours of operation of the selected payout branch including closures without prior notices, its telecommunications facility, its connectivity to the MLKP system, and other conditions, including but not limited to, power and telecommunications failure, computer or gadgets failure, inclement weather and the like.
11.  In cases where the selected sendout or payout branch happens to be a "not online" branch, the time when the transaction information is available in the MLKP system and its retrieval thereof may vary according to the communications facility of the said selected branch. A "not online" branch is that which does not have direct access to the MLKP system due to telecommunications limitations.
12.  The sender may also direct MLFSI to forward the money to the account of the receiver with any bank, corporation, institutions or entity.
13. Should the sender decide to cancel his/her transaction, he/she must submit a written request to MLFSI for the cancellation of the said transaction. MLFSI will refund the principal amount of the money transfer only. MLFSI will refund the charges upon written request of the sender only if the money transfer is not available to the recipient within seven (7) days from the time it was sent. To the extend allowed by the law, MLFSI may deduct a service fee of FIVE HUNDRED PESOS (P500) per month from money transfers that are not picked up after one month from the time it was sent.
14. Changes to the original entries of the sendout may be made only be the sender upon personal presentation of a written request and payment of the additional charges. The said changes shall be processed immediately and the transaction shall be made available in the system subject, however, to the conditions mentioned in item 10 herein. Should the change be made in a branch other than the branch where the transaction was originally made, the sender must present the valid ID which he/she presented in the original sendout branch for verification purposes. And if the said other branch happens to be a "not online" branch, the sender must present, together with the said valid ID, the duplicate copy of his sendout form.
15.  In no event shall MLFSI or any of its agents be liable for damages for delay, nonpayment or underpayment of this money transfer, or non-delivery of any supplemental message, whether caused by negligence on the part of its employees or agents or otherwise, or unpublished closure of the intended payout branch of the receiver beyond the sum of FIVE THOUSAND PESOSO (P5,000), in addition to refunding the principal amount of the money transfer and the service fee. Further, in no event will MLFSI or its agents be liable for any indirect, special, incidental or consequential damages beyond the aforementioned amount.
16.  MLFSI and its agents may not accept process or pay any money transfer that any of them determines, in their sole discretion, to be in violation of any MLFSI policy or applicable law.
17. All claims or suits regarding this transaction shall be filed in the courts of Cebu City only.

Share This Post

If you like this article, we would really appreciate if you share this on Facebook, Twitter, or on any social media channels. Every share makes a huge difference and helps us write more articles like these. Thank You!

"M Lhuillier (ML) Kwarta Padala Terms and Conditions (Money Transfer)" was written by under the Finance / Wealth category. It has been read 58016 times and generated 78 comments. The article was created on and updated on 25 January 2015.
Warning! When posting comments, strictly observe correct spelling. Avoid incomplete words such as TY (as Thank You), Pls as Please, gud as good, dpt as dapat, etc. You can comment in English or Tagalog. If you will not follow this simple instruction, your comment(s) will not be accepted or published.
Name *:
Answer captcha *:
Total comments : 78
taninaka   (09 March 2018 8:47 PM)
ask ko lang po sana .... kung gano katagal bago ma expire yung perang hndi pa narerecieve....
kelangan nyo po kasi ng government ID... eh medyo matagal po bago ako makakuha nun....

Zia balabag   (30 December 2017 8:43 PM)
My tanung aqo ilan araw ma refund ang pera mo kasi na cancel kasi ang order ko sa shopee thru dragonpay

michael   (28 August 2017 12:22 PM)
Hi po gud aftiee. Pwede po ba ako magbayad ng bill sa dragon pay ? Im 14 yrs old na po may I.D rin po ako school ID

fen   (22 August 2017 12:24 PM)
pwede po b i claim ang pera sa cebuana? pinadala po xa sa m lhuiller. thanks po.

Malate Rojanto Malate   (05 August 2017 1:36 AM)
Good am po maam/sir!! Tanong ko lang po, if ever na hndi ko maclaim ng one week ang pinadala then after one week tyaka ko kukunin pwede pa pi ba un?? Alam ko nmn refernce#: and name of sender!! Salamat

sarah   (22 June 2017 0:07 AM)
Hello, Can I authorize someone to claim money for me?

Catherine matias   (03 June 2017 9:06 PM)
Asked ko lng po. Pano po kya ggawin ko para ma claim ung pinadla sakin na pera kaso hindi ko po alam kung sino sender. Tnx wait ko po reply

Nivea Hinggo   (13 May 2017 1:23 AM)
Hello po maam/sir. may 9 digit po ba na trucking number galing sa labas at Mluillier po daw makukuha.

George O. Garde, Jr.   (09 May 2017 7:26 PM)
Hi! Can I request transaction or pay out copy last March and April 2017 because I lost my copy and I need it on my loans as proof of remittance? Thank you!

Jennifer B. Macalino   (10 March 2017 7:04 PM)
Pwede ko parin ba ma claim yung pera kahit mali yung address na nilagay niya? Mali kasi yung address tapos gamit nya na remittance is World remit po

ailene   (08 January 2017 3:12 PM)
pinadalhan po ako last dcember 24 2016 hanggang kelan ko po ba pwedeng makuha ung padala sakin nilalakad k p po kasi ung police clearance ko po salamat

[email protected]   (13 December 2016 2:17 PM)
Asked ko lng po pwd ba ka kahit late na makuha ang padala?

[email protected]   (13 December 2016 2:15 PM)
Lucky money

Lemor Licudan   (25 November 2016 7:55 AM)
Hi po. Ask ko po kong pwede po mag padala ng pera kahit hindi pa 18 years old? 15 years old na po ako.

dianne   (15 November 2016 11:20 AM)
Pwde po ba mag change ng receiver sa ibang branch

zchalee   (03 September 2016 10:05 AM)
I would just like to ask can the sender change the name of the receiver once the money has already been sent?How long will it take for the receiver to claim the remittance?

jude torres   (03 September 2016 1:35 AM)
Can a sender ask for a proof of receipt with the signature of the recipient.

Jane   (27 August 2016 8:42 PM)
Hello there. I received KPTN from ML mismo. But I dont have idea if sino ang sender. I asked those person na posibleng nagpadala but they said na hindi naman daw sila. Pumunta na ako sa isang branch malapit sa amin and asked the staff there kung ano maaring gawin. I asked them na baka pwedeng malaman kung sino yung nag send para naman ma-contact ko, but they refuse kase bawal daw. What should I do? Salamat po.

charisma   (13 August 2016 9:49 AM)
gudam po. may pinadala po na pera sa akin worth 2000. I know the senders name and the amount but I don't know the kptn. my phone was destroyed and there's no way I could retrieve all the info in my cp. also the cp number of the sender. please help me on this please.

Nash   (10 August 2016 12:12 PM)
why mlhullier is offline now? how long to take before it will open again?
thank you :)

Faija   (07 August 2016 1:17 AM)
Good morning, maam nagpadala po ako ng pera sa mother ko ngayon, pwede poh ba after 1 month niya i claim ang pera na pinadala ko?

marvin jay recomono   (04 August 2016 9:22 AM)
how to track the sender by just using KPTN??

keeven   (19 May 2016 10:39 AM)
good Day! my uncle sent me a money and i received a text message from Ml kwarta padala to claim the money. my problem is i dont know how much did my uncle sent to me, when i call him, he's out of coverage area. is there a possibility that the money sent by my uncle will not be claim? but i have a KPTN or Reference number.

Mark Charles B. Curso   (25 April 2016 11:50 PM)
I received a text message notifying me to claim a remittance at any M. Luilier Branch stating the KPTN but I did not receive any advise from someone. I do not have the sender's name and amount details. What should I do? Should I contact the number who sent me the text message?

Jocelyn   (16 March 2016 2:13 PM)
for example, the sender have sent the money today but I cannot receive it today so I'll make it tomorrow. can I do that?

Silver   (12 February 2016 2:08 PM)

I would like to know if anyone here also received some kind of spam-ish messages to claim the said ML Kwarta Padala.
I'm not sure but, the details in the text was only my NAME and the KPTN.

Anyone who has the same situation with me? Is it a spam?

zoe delos santos   (02 November 2015 6:41 PM)
i would to ask who was the sender and receiver of this KPTN 564222203316455410 thank you
i hope for you quick response

lovely   (02 November 2015 3:45 PM)
can i claim money even my valid id is expired?

Barbie Canoy   (16 October 2015 4:17 PM)
Im 14 years old can i recieve a money ?

Barbie Canoy   (16 October 2015 4:16 PM)
14 years old napo ako pwede napo ba ako tumanggap ng pera

1 2 3 »