Panamá

Panamá is a key market in Central America with a widespread cash-infrastructure powered by Punto Pago. Local users can conveniently deposit cash to fund transactions, making it an excellent entry point for businesses targeting unbanked or underbanked customers.

🖥️ Payment Interface Preview

tip

Please note that the process is always the same, before processing the transaction you must create the order, here is an example of the body for this country.

{
  "country": "PAN",
  "origin": "api",
  "amount": "2",
  "email": "test@gmail.com"
}

Pay In

Payment methods available for receiving funds in Panamá include flexible options that include credit and debit cards, bank transfers and cash payments.

Credit and Debit Card

Type Transaction	Type Payment	Payment Method	Supported Providers	Logos
card+	credit / debit	tc	Visa, Mastercard

Complete transaction - Body (Sample Request)

{
    "hash": "U2FsdGVkX19LCMkFlp2rn...",
    "paymentMethod" : "tc",
    "typePayment" : "credit",
    "typeTransaction":"card+",
    "description": "Compra",
    "urlReturn": "https://url/payment",
    "urlWebhook": "https://url/webhook"
}

---

Cash

Type Transaction	Type Payment	Payment Method	Supported Providers	Logos
cashin	cash	punto_pago	Punto Pago
cashin	cash	westerunion	Western Union

Complete transaction - Body (Sample Request)

{
    "hash": "U2FsdGV...",
    "paymentMethod" : "punto_pago",
    "typePayment" : "cash",
    "typeTransaction":"cashin",
    "description" : "Orden de prueba",
    "merchantId":"11223344"
}

---

Wallet

Paypal

This endpoint allows you to initiate a payment process with PayPal through our API.
We will generate a checkout URL where the customer can be redirected to securely complete the payment process.

Complete transaction - Body (Sample Request)

{
  "hash": "U2FsdGV...",
  "paymentMethod": "paypal",
  "typePayment": "wallet",
  "typeTransaction": "walletin",
  "merchantId": "564153131",
  "urlReturn": "https://google.com",
  "urlRejected": "https://youtube.com",
  "urlWebhook": "https://webhook/ok"
}

Aditional Notes

• The merchant must redirect the user to the payer-action URL immediately after receiving the response.
• Do not rely solely on user redirection to confirm the payment; always validate the final payment status using the webhook.

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Limits

💡 Note: The values expressed in this "Limits" section are in USD.

Cash

Minimum	Maximum	Min. Daily Transactions	Max. Daily Transactions
2 USD	200 USD	No limits apply	9.999

Bank Transfer

Minimum	Maximum	Min. Daily Transactions	Max. Daily Transactions
2 USD	300 USD	No limits apply	9.999

---

💰 Fees & Rates

These are the applicable processing fees (before VAT) for transactions in Panama, grouped by payment method.

Payment Method	Type	Providers	Fee
💳 Credit/Debit Cards	Pay In		To be determinate
📲 APMs	Cash In		3.5% + 0.10 USD - min 1 USD

💡 Note: All fees are expressed in USD and exclude VAT.

📜 Terms & Conditions

Item	Details
2D / 3DS 2.0	Available
High Risk Reserve	15% – 180 days
Settlement Cost (Crypto)	30 USD
Settlement Times	Weekly

💡 Note: All rates are expressed in USD and exclude VAT. Settlement times and costs are subject to network conditions and processing regulations.