Your Money at Net Speed

Seeking registration as a Financial Entity with Panama’s Superintendency of Banks (SBP) to enable collections, payouts, remittances, and national and international transfers for people, merchants, and institutions across Panama, with dollars (USD) as the primary currency under Law No. 23 of 2015.

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Built for Panama

DIGITAL PAYMENTS FOR PEOPLE, MERCHANTS & INSTITUTIONS

National payment processing: ACH transfers to deposit accounts at Panamanian banks, credits to authorized e-wallets, and collections via QR or payment link
Digital onboarding with KYC/KYB and risk-based due diligence, aligned with the SBP, UAF, and international best practices
Remittance payouts as a payment agent for authorized remittance companies, with traceability and AML/CFT controls
Third-party payments—including mass payouts (payroll, suppliers)—via API or secure file uploads

Planned Services

AGGREGATOR & NON-AGGREGATOR GATEWAY — CARDS — PAYMENT INSTRUMENTS

Payment gateway in aggregator and non-aggregator models, with segregation of merchant and user funds under Law 23 of 2015 and SBP requirements
Digital acquiring: dynamic or static QR, payment link, payment credential, virtual POS, and API integration for affiliated merchants; Visa, Mastercard, AMEX, and UnionPay acceptance via authorized acquirers
Collection of public and private services in coordination with issuing entities and commercially agreed fees
Issuance and processing of debit, credit, and prepaid cards, and electronic money issuance (MP-010), subject to SBP registration and authorization

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Currencies, channels, and associated corridors

Payments in U.S. dollars (USD), legal tender in Panama, orchestrated with our network of banks, FX houses, and partner institutions. We enable national transfers via ACH Directo/Telered, merchant collections, remittance payouts, and cross-border payments under the SBP framework, with payment instruments and electronic money issuance planned under registration as a covered financial entity.

$USD

€EUR

¥JPY

£GBP

¥CNY

A$AUD

$CAD

₣CHF

HK$HKD

S$SGD

krSEK

₩KRW

krNOK

NZ$NZD

$MXN

₹INR

RZAR

₺TRY

R$BRL

krDKK

złPLN

NT$TWD

฿THB

RMMYR

﷼SAR

د.إAED

₪ILS

$CLP

₱PHP

$ARS

$COP

LHNL

₦NGN

E£EGP

₨PKR

RpIDR

Compliance
‍& security

Comprehensive AML/CFT/PF program with suspicious activity reports (SARs) to the UAF when required
Strong authentication, real-time fraud controls, and transaction monitoring under approved compliance policies and SBP guidelines
Data encryption in transit and at rest; cloud infrastructure with high availability standards
Segregation of merchant and user funds from the Financial Entity’s own resources under the aggregator model and banking agreements

Ready to digitize your payments in Panama?

We will roll out the model progressively, prioritizing traceability, user identification, and integrated operational, technology, and compliance risk management. The Company coordinates with U.S. group affiliates — Network Clearing LLC (MSB with FinCEN) and Network Pay LLC (payment facilitation)—through intercompany agreements that define responsibilities and fund flows.

REGULATORY FRAMEWORK

Compliance with Ley No. 23 de 2015, el Acuerdo SBP No. 5-2015 and SBP AML/CFT/PF prevention rules. Customer support: niko@networklabs.pa — Costa del Este, Panama City.