Panama
Learn about the dLocal supported payment methods in Panama.
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.
Nequi Punto Pago PayCashMarket specifications
Do you want to know more information about Panama's market? Go to the Unlock your local payment methods in Latin America article.
Country reference
country code | currency code | document name | document format | document required? |
|---|---|---|---|---|
PA | USD | Cedula de Identidad | 8 digits | No |
Cards supported
payment_method_id | Brand ID | Name | payment_method_type | Details | Allowed Flows | Logo |
|---|---|---|---|---|---|---|
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 |  |
To offer all the card options that may be available in your integration, send the
payment_method_idasCARD.
Alternative Payment Method supported
payment_method_id | Name | payment_method_type | Details | Allowed Flows | Logo |
|---|---|---|---|---|---|
NQ | Nequi | TICKET | Wallet | REDIRECT |  |
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
Nequi
Nequi is a digital wallet that allows the user to have an account and subaccounts for savings with which they can make payments through the application.
Capabilities
| Nequi | |
|---|---|
| Min. amount | 1 USD |
| Max. expiration time supported | 5 days |
| Notification delay | Immediate |
| Refunds | Yes |
| Flow | REDIRECT |
Request parameters
| Property | Type | Description | Mandatory? |
|---|---|---|---|
amount | Number | Amount to be charged. | Yes |
currency | String | USDTransaction currency in ISO 4217. | Yes |
country | String | PA Transaction country in ISO 3166. | Yes |
payment_method_id | String | NQ ID of the selected payment method. | Yes |
payment_method_flow | String | 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 |
payer.phone | Number | Phone number of the user. | 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": "NQ",
"payment_method_flow": "REDIRECT",
"payer": {
"name": "Jane Doe",
"email": "[email protected]",
"phone": "4832696773",
"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": "R-4-5b582965-baeb-41fa-b5c2-dd42ad4d2c0b",
"amount": 25,
"currency": "USD",
"payment_method_id": "NQ",
"payment_method_type": "TICKET",
"payment_method_flow": "REDIRECT",
"country": "PA",
"created_date": "2023-01-17T22:32:41.000+0000",
"status": "PENDING",
"status_detail": "The payment is pending.",
"status_code": "100",
"order_id": "34545sk3483kqw0",
"description": "Tshirt",
"notification_url": "http://merchantsite.com/notification/new",
"redirect_url": "https://pay.dlocal.com/gmf-apm/paguelofacil-nequi/M-e53f3ae2-ce13-46xc-a1a7-16c381031d80"
}
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 | USDTransaction 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 | USDTransaction 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.
Updated 7 days ago