title: PA — Scheme & Network Compliance (W4) | World Payments Monitor canonical: https://payments.gi/jurisdictions/panama/w4/ ### W4 Scheme & Network Compliance Probable re-verified 2026-10-18 · changed 2026-07-04 Card-scheme rails in Panama run through the domestic Telered/Clave debit network alongside Visa and Mastercard acceptance via bank-operated gateways; PCI DSS compliance is expected of payment gateways and processors but there is no bespoke Panamanian interchange-regulation or surcharging statute identified. Standing sub-brief · as of 4 July 2026 137 words · last cycle 2026-07-04 #### Scheme & Network Compliance All Panamanian banks operate through Telered's Clave debit-card system and the traditional ACH, alongside newer bank-specific instant-transfer platforms such as Yappy. Visa and Mastercard are accepted via bank-operated gateways, and no bespoke interchange-regulation or card-surcharging statute was identified in this cycle's research; the gap is recorded as no-source rather than confirmed non-existence. PCI-DSS certification, tokenization and 3-D Secure authentication are flagged by market commentary as expected functionalities for scheme-connected payment gateways, though no bespoke statutory mandate for these controls was identified; this finding rests on a single indicative source rather than confirmed regulatory text. #### Outlook The absence of a confirmed interchange-regulation statute remains an open research question rather than a settled finding of deregulation; this module should be re-tested against any Draft Law 314 secondary provisions on scheme access if the bill advances. no periodic updates on record for this sub-brief ** Sources and findings (3 unique sources · R-3/R-4)** 1. [W4-E1] T3 Derived: Probable [in_force https://www.martesfinanciero.com/relieve/yappy-evoluciona-para-ser-una-plataforma-de-pagos-independiente/](https://www.martesfinanciero.com/relieve/yappy-evoluciona-para-ser-una-plataforma-de-pagos-independiente/) re-verified 2026-07-04 All Panamanian banks operate through the Telered network's Clave debit card system and the traditional ACH, alongside newer bank-specific instant transfer platforms such as Banco General's Yappy. 2. [W4-E2] T3 Derived: Probable in_force [Collapsed 2× uses https://jootser.com/pasarelas-de-pago-para-e-commerce-en-panama/](https://jootser.com/pasarelas-de-pago-para-e-commerce-en-panama/) re-verified 2026-07-04 Panamanian payment gateways such as Banistmo's platform accept Visa and Mastercard credit cards plus Mastercard/Clave debit cards and Nequi, illustrating the layered scheme-acceptance model operated through bank-affiliated gateways. 3. [W4-E4] T1 Derived: Confirmed [in_force https://www.superbancos.gob.pa/](https://www.superbancos.gob.pa/) re-verified 2026-07-04 Visa and the Superintendencia de Bancos de Panamá jointly promote financial education initiatives, reflecting an active but informal scheme-regulator relationship rather than a codified interchange or surcharging framework.