Market specifications

Take a look of all the payment methods available.

Country reference Cards supported APM supported

Cards

Find all the information about the card supported capabilities.

Capabilities Process Card Payments

Alternative Payments

Learn how to integrate cash, bank transfer or wallet payment.

Punto Pago PayCash

Market specifications

Do you want to know more information about Panama's market? Go to the Tap Into Latin America’s High-Growth Potential article.

Country reference

`country` code	`currency` code	`amount` decimals	`document` name	`document` format	`document` required?
`PA`	`USD`	2	Cedula de Identidad	8 digits	No

Cards supported

`payment_method_id`	Brand ID	Name	`payment_method_type`	Details	Allowed Flows
`CARD`	`VI`	Visa	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`VD`	Visa Debit	`CARD`	Debit Card	`DIRECT` `REDIRECT`
`CARD`	`MC`	Mastercard	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`MD`	Mastercard Debit	`CARD`	Debit Card	`DIRECT` `REDIRECT`
`CARD`	`AE`	American Express	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`DI`	Discover	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`JC`	JCB	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`CV`	Clave	`CARD`	Debit Card	`REDIRECT`

ℹ️
To offer all the card options that may be available in your integration, send the payment_method_id as CARD.

Alternative Payment Method supported

`payment_method_id`	Name	`payment_method_type`	Details	Allowed Flows	Logo
`PV`	Punto Pago	`TICKET`	Cash Payments	`DIRECT` `REDIRECT`
`CY`	PayCash	`TICKET`	Cash Payments	`DIRECT` `REDIRECT`

Cards

Capabilities

	Visa Credit	Visa Debit	Mastercard Credit	Mastercard Debit	American Express	Discover	JCB	Clave
Minimum amount	1 USD	1 USD	1 USD	1 USD	1 USD	1 USD	1 USD	1 USD
Refunds	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Recurring	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No
Chargeback option	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No
Chargeback Dispute option	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No
Descriptor	Can be personalized, depending on the provider.	Merchant name	Can be personalized, depending on the provider.	Can be personalized, depending on the provider.	Merchant name	Merchant name	Merchant name	Merchant name

How to process Card Payments?

Learn how to process payments with credit and debit cards with dLocal in our Card Payments section.

Alternative Payment Method

Punto Pago

Punto Pago is a cash collection system through payment kiosks located in different locations in Panama.

Capabilities

	Punto Pago
Min. amount	1 USD
Max. expiration time supported	7 days
Notification delay	Immediate
Refunds	Yes
Flow	`DIRECT` `REDIRECT`

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`USD` Transaction currency in ISO 4217.	Yes
`country`	String	`PA` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`PV` ID of the selected payment method.	Yes
`payment_method_flow`	String	`DIRECT` or `REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 25,
    "currency": "USD",
    "country": "PA",
    "payment_method_id": "PV",
    "payment_method_flow": "DIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "address": {
           "country": "PA",
            "state": "Panama City",
            "city": "Panama City",
            "zip_code": "88058",
            "street": "Av. Principal",
            "number": "5940"
        }
    },
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "D-4-b88381e8-531f-4e4f-96bc-297cfec4dd22",
    "amount": 25,
    "currency": "USD",
    "payment_method_id": "PV",
    "payment_method_type": "TICKET",
    "payment_method_flow": "DIRECT",
    "country": "PA",
    "bank_transfer": {},
    "ticket": {
        "type": "CUSTOM",
        "number": "PP84210703",
        "expiration_date": "2023-01-28T04:59:00.000+0000",
        "id": "1100347518189",
        "provider_name": "apm-paguelo-facil",
        "provider_logo": "https://static-dlocal.s3-eu-west-1.amazonaws.com/images/providers/PG.svg",
        "image_url": "https://pay.dlocal.com/gmf-apm/payments/M-b7d935ba-1616-4312-a52e-286fc599599e",
        "amount": 25,
        "currency": "USD"
    },
    "created_date": "2023-01-21T22:35:50.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "34545sk3483kqw0",
    "notification_url": "http://merchantsite.com/notification/new"
}

Example ticket

Punto Pago UI built with the information in the example above.

User Interface Tips UI

If you are using this payment method through a DIRECT integration, follow the tips below in order to make it easier for your customers to complete payments, boosting your conversion rates.

Element	Tip
Ticket Number	It is the number that payers must dictate the cashiers in order to complete payment. Name it "Código de operación" and add before it “PP-” as it is how it is presented in the payment machines.
Currency and Amount	Should be relevant elements in the ticket. Users need to have that information very clearly.
Currency Symbol	$
Expiration date	Display this element clearly and visible enough. In Panama, the date format is DD/MM/YYYY.
Payment instructions	Payment instructions Although most users are familiarized with Punto Pago, it is a good practice to help those who are not. In the image above there is an example of instructions, but if needed, our team will be happy to help you with more personalized instructions.
Exact payment	Let users know that machines do not give change, they must pay the exact amount shown in the voucher.
Payment Machine locator	Name it “Buscador de Kioscos” and link it here.
Save button	It helps users to have their tickets always on their phones, making it needless to take notes or keep the browser open.
Print button	It is useful for some users who need to have their tickets printed.

PayCash

PayCash is a payment system enabled in the main commercial chains and banks in Latin America, which allows customers to receive and process cash payments and transfers immediately.

Capabilities

	PayCash
Min. amount	1 USD
Max. expiration time supported	5 days
Notification delay	Immediate
Refunds	Yes
Flow	`DIRECT` `REDIRECT`

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`USD` Transaction currency in ISO 4217.	Yes
`country`	String	`PA` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`CY` ID of the selected payment method.	Yes
`payment_method_flow`	String	`DIRECT` or `REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 25,
    "currency": "USD",
    "country": "PA",
    "payment_method_id": "CY",
    "payment_method_flow": "DIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "address": {
           "country": "PA",
            "state": "Panama City",
            "city": "Panama City",
            "zip_code": "88058",
            "street": "Av. Principal",
            "number": "5940"
        }
    },
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "D-4-4953b079-5tr3-47ed-b56d-8d7594b1ad60",
    "amount": 25,
    "currency": "USD",
    "payment_method_id": "CY",
    "payment_method_type": "TICKET",
    "payment_method_flow": "DIRECT",
    "country": "PA",
    "bank_transfer": {},
    "ticket": {
        "type": "CUSTOM",
        "reference": 6911683842500944,
        "expiration_date": "2023-05-16T23:59:59.000+0000",
        "provider_name": "apm-paycash",
        "provider_logo": "logo",
        "image_url": "https://pay.dlocal.com/gmf-apm/payments/M-4b4c1307-0cc2-49cf-8977-2102d5a1d640",
        "amount": 25,
        "currency": "USD"
    },
    "created_date": "2023-05-11T22:01:40.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "34545sk3483kqw0",
    "notification_url": "http://merchantsite.com/notification/new"
}

Example ticket

PayCash UI built with the information in the example above.