Panamanian Balboa (PAB)
Published processing fees and market availability for the Panamanian Balboa (PAB) across 15 gateways, bank acquirers, and payment rails serving Panama. Always confirm current rates on the provider's official pricing page.
Regional context & bank acquiring rules: Central & South America payments guide · All Central America currencies
Who serves this currency
All 15 gateways, bank acquirers and wallets serving PAB markets, including providers with published PAB fee schedules (3) and custom/quote-only processors (12).
Card gateways & processors
| Provider & market notes | Fee schedule |
|---|---|
| AdyenEnterprise processor (Uber, Spotify, eBay). Interchange++ from roughly 0.6% + fixed per transaction plus scheme fees, custom contract pricing only. | Worldwide |
| Checkout.comEnterprise processor strong in EMEA/LatAm; interchange++ blended rates negotiated per merchant. | Worldwide |
| TilopayPanama online checkout (+7% ITBMS on fee); Yappy & Clave supported. | Published fees |
| Pagadito4.9% + US$0.35; settles to Panamanian banks. | Custom pricing |
| PixelPay (BAC)Regional availability, ask for a quote. | Serves this market |
| PagueloFacilPanama Visa, Mastercard, Clave and Yappy checkout (+7% ITBMS on fee). | Published fees |
| KushkiRegional LatAm paytech & direct acquirer founded in Ecuador. Custom enterprise and mid-market pricing across cards, cash vouchers and instant transfers. | Serves this market |
| dLocalEnterprise cross-border processor for emerging markets. Negotiated pricing: all-in roughly 2.7–7% by country and method; a published Shopify program listed ~4.9% + $0.30 + 2% USD. | Serves this market |
| EBANXCross-border processor for LatAm, Africa and India with 100+ local methods (Pix, boleto, OXXO). Custom pricing; third-party reviews cite ~2.7% + $0.30 (2021 figure, verify). | Serves this market |
| Scotiabank Caribbean (Scotia eCom+)Scotia eCom+ pairs a Scotiabank business merchant account (MID) with Visa Cybersource or Powertranz for online checkout. Custom MDR (~2.5%–3.75%) plus US$35–$75/mo gateway fee. | Serves this market |
| BAC Credomatic (Compra Click & e-Commerce)Panama direct acquiring & Compra Click. | Custom pricing |
| Placetopay (Evertec)Evertec's regional payment gateway powering bank e-commerce checkout across Colombia, Ecuador (Datafast/Medianet), Chile (Getnet), Uruguay and the Caribbean (RBC EZPay). | Serves this market |
Wallets & other payment rails
| Provider & market notes | Fee schedule |
|---|---|
| PayPalAvailable to merchants in 190+ countries; receiving capability varies by country. Cross-border fees are higher than domestic. | Worldwide |
| Yappy Comercial (Banco General)Panama's universal instant mobile payment rail (1% + 7% ITBMS on fee, min B/.0.02). | Published fees |
| Payoneer Profile →Cross-border receiving platform: local receiving accounts, marketplace payouts and client payment requests in 190+ countries. Not a card checkout gateway. See our full Payoneer profile for the fee breakdown. | Worldwide |
Compare gateways for an amount
This comparison only shows fees we can publicly verify (3 of 15 providers serving PAB). Processors and bank acquirers that quote custom or merchant-specific rates are listed under Who serves this currency above.
Enter an amount to compare verified PAB rates.
Disclaimer: Comparisons only include publicly verifiable standard rates as of November 6, 2026 and exclude custom-quoted gateways, bank MIDs, monthly plan fees and local taxes unless noted. See all 15 providers serving PAB.
Card gateway fees
Fee tables only show rates we can publicly verify from official provider schedules (12 additional providers serve PAB with custom or quote-only pricing—see all 15 providers above). We never invent figures for custom-quoted processors or bank acquirers. Figures are for comparison only; always confirm your exact rate on the provider's site.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| TilopayPanama online checkout (+7% ITBMS on fee); Yappy & Clave supported. | 3.95% | PAB 0.35 | n/a | Same rate |
| PagueloFacilPanama Visa, Mastercard, Clave and Yappy checkout (+7% ITBMS on fee). | 3.95% | PAB 0.35 | n/a | Same rate |
Compare two PAB card gateways side by side
Wallets & other payment rails (published rates)
Publicly verifiable merchant rates for mobile money, digital wallets and account-to-account rails in PAB.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| Yappy Comercial (Banco General)Panama's universal instant mobile payment rail (1% + 7% ITBMS on fee, min B/.0.02). | 1% | PAB 0.00 | n/a | Same rate |
Monthly, plan & setup fees (PAB)
8 of 15 offer $0/mo base plans% + fixed fee) and are not included in calculator estimates above. Always verify current plan tiers on the provider's official pricing page.
Card gateways & bank acquirers — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| AdyenNo fixed monthly fee, but enterprise minimum monthly invoice typically applies | Bank MID / custom | $0/mo (min. volume applies) | $0 |
| Checkout.comNegotiated interchange++ schedule for high-volume merchants | Bank MID / custom | Custom enterprise contract | Custom |
| TilopayDirect bank MID gateway connection plan: ~US$25–$45/mo | $0/mo + tiers | $0/mo (Aggregated PayFac) | $0 (aggregated) |
| PagaditoNo monthly maintenance fee on standard regional PayFac account | No monthly fee | $0/mo | $0 (promo) / US$99 |
| PixelPay (BAC)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| PagueloFacilPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| KushkiRegional LatAm enterprise acquiring & aggregator contract | Bank MID / custom | Custom enterprise contract | Custom |
| dLocalCross-border & local LatAm/emerging market enterprise contract; min. volume applies | Bank MID / custom | Custom enterprise contract | Custom |
| EBANXEnterprise cross-border & local rail processing contract | Bank MID / custom | Custom enterprise contract | Custom |
| Scotiabank Caribbean (Scotia eCom+)Scotia eCom+ (Visa Cybersource) monthly gateway & merchant account maintenance | Bank MID / custom | ~US$45–$85/mo | ~US$100–$200 |
| BAC Credomatic (Compra Click & e-Commerce)Compra Click links often $0/mo; full e-commerce API gateway ~US$25–$45/mo | $0/mo + tiers | $0–US$35/mo | $0–US$100 |
| Placetopay (Evertec)Evertec gateway platform fee (often bundled by acquiring bank) | Bank MID / custom | ~US$30–$60/mo | Varies by bank |
Wallets & other payment rails — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| PayPalStandard Checkout $0/mo; Advanced / Pro virtual terminal ~$30/mo in US/CA/UK | $0/mo + tiers | $0/mo | $0 |
| Yappy Comercial (Banco General)No monthly subscription fee on standard merchant wallet / QR / A2A acceptance | No monthly fee | $0/mo | $0 |
| Payoneer Profile →Free to hold and receive; $29.95 annual fee applies to inactive accounts in some countries | $0/mo + tiers | $0/mo | $0 |
Panamanian Balboa (PAB) payment gateway FAQs
Which payment gateways and processors serve Panama (PAB)?
Sympli5 tracks 15 payment gateways, bank acquirers, and payment rails serving Panama (Panamanian Balboa, PAB), including PayPal, Adyen, Checkout.com, Tilopay, Pagadito, PixelPay (BAC) and 9 others. Of these, 3 publish verifiable standard PAB per-transaction schedules and 12 operate on custom, quote-only, or bank Merchant ID (MID) pricing.
What are the lowest published payment processing fees in Panamanian Balboa (PAB)?
Among the 3 providers with publicly verified PAB schedules, the lowest headline variable rate starts at 1% + PAB 0.00 via Yappy Comercial (Banco General). Your lowest effective cost depends on your average order value, card mix, and whether a fee cap applies—use the interactive PAB calculator on this page to compare exact net payouts.
Do PAB payment gateways charge monthly or setup fees?
Of the 15 providers serving PAB markets, 8 offer a $0/month base pay-as-you-go plan with $0 setup fees. The remaining 7 providers either require a monthly gateway plan or operate through a bank Merchant ID (MID) with bank-quoted monthly maintenance and setup fees. Monthly and setup costs are charged separately from per-transaction processing rates.
What does the international card surcharge mean for PAB transactions?
An international (foreign-issued) card fee applies when a customer pays your business in PAB using a Visa, Mastercard, or Amex issued by a bank outside your local merchant country—such as a foreign tourist or overseas buyer. Check the International card box in the calculator or review the Intl. cards column in the fee table to see how cross-border cards affect your net payout.