Open the App
Find the PayPal section right on your home screen
You can now recharge your wallet directly from your bank account without having to send a receipt!
Follow these steps:
Step 1: Log in to your bank's online platform.
Step 2: Choose the ACH option, enter Punto Pago Panama S.A. in the Name field, and select the receiving bank: Banco Banistmo.
Step 3: Enter the account number: No. 3380004773 (Checking Account)
Step 4: Enter the amount to transfer.
Step 5: In the description, enter ONLY the phone number linked to your Punto Pago wallet.
⚠️ This last step is the most important to make sure the transfer is credited directly to your account, so remember to add the phone number linked to your Punto Pago wallet.
Minimum amount: $1
IMPORTANT:
✅ Fund accreditation: Your recharge will be reflected in your App account once the deposit has been confirmed in our bank account.
⚠️ We only accept domestic transfers within Panama to the account above. International transfers to the Banco Banistmo account are not accepted for App deposits.
⚠️ Recharges are only credited when the ACH transfer comes from the bank account of the Punto Pago wallet holder. Third-party transfers are not allowed, even with authorization. Once the balance is credited, you can send it to other Punto Pago wallet users if you wish.
ACCREDITATION TIME

Find the PayPal section right on your home screen
Specify how much you’d like to receive in your wallet
Check fees and ITBMS details before finalizing the transaction
Estimate your transfer
The total includes PayPal fees, fixed commissions, and local taxes (ITBMS).
Total to pay
$107.76*Reference calculation. The app will show the final summary before confirming the top-up to your Punto Pago wallet
Download the app and start using PayPal right now
We've answered the most common questions
It is an integration that allows Punto Pago users to manage PayPal top-ups and transactions directly from our app, complying with local regulations in Panama.
To use this feature, you must comply with the following:
Top-ups are only permitted through the Punto Pago app. Top-ups or transfers managed directly from the external PayPal platform to Punto Pago are not accepted.
The cost includes 6.75% of the amount you receive at Punto Pago, plus a fixed commission of B/.0.50. The ITBMS (7%) is applied to the sum of these two commissions, using the same criteria as our calculator.
Yes. For safety and regulatory reasons, we apply the following limits:
We have dispute resolution systems in place for unauthorized transactions. To activate this protection, you must submit your claim within 180 days of the transaction. We also implement security measures such as two-factor authentication.
Punto Pago only credits top-ups when the funds are actually received in our account. We are not responsible for delays caused by bank disruptions or external internet outages.
Yes. We reserve the right to suspend or close accounts if we detect suspicious activity, violation of the terms of use, or by court or regulatory order.
If you have technical difficulties or specific questions, you can contact us through:

