Paypal is accepted as a form of payment. A surcharge may apply depending on the country of origin of your Paypal account.

You can also pay your fees in cash upon arrival. Boquete, Panama City and Bocas del Toro have plenty of ATMs where you can withdraw money from if you're traveling with a debit or credit card with a valid PIN number (up to $500 a day). In Boquete and Panama City, within a 1 km radius of our school, there are about 5 cash points and a similar amount of banks. In Bocas del Toro there are only 2 ATMs in town (at the same bank).

You can pay for your program by withdrawing the maximum amount ($500 per day) on several consecutive days during your first week. Or if you prefer to avoid having to do it like this, then you can also make an international transfer to bank our account from abroad.

Cost wise it's obviously more convenient and safer to travel with a debit card (as opposed to having a bunch of cash on you) because many banks do not charge anything for withdrawals made in Panama, others allow a certain amount of international withdrawals per month without any charge and others will charge you around $3 per transaction which is 0.6% per transaction if you withdraw the maximum amount allowed per transaction ($500). A little bit of cash is necessary as many local businesses don't accept credit cards. On the other hand, if you use your credit card you'll probably get charged 3 - 5% per withdrawal or transaction.

We accept VISA, Mastercard (1.85% processing fee) and American Express (2.5% processing fee) as forms of payment.

Making a bank transfer is very convenient as you won't have to carry the cash on you, nor will you have to withdraw $500 per day with your debit card at an ATM upon arrival (and if your program is more than $2500 USD a transfer might be cheaper than the credit card processing fees). If you're paying for your program in another currency rather than US Dollars, then you will most likely get a much better exchange rate as opposed to withdrawing the cash from an ATM upon arrival, paying with a credit card or exchanging currency at the airport (there aren't that many currency exchange options in the country).

A transfer usually costs between $35 - $70 (please consult your bank) and our bank normally charges us between $37.45 - $50 which you will also have to cover.

Our account number is 03-48-01-125516-5. Our bank is BANCO GENERAL, S.A. - PANAMA, and or company name is: Turismo Educacional, S.A.

Electronic money transfer to:
CITIBANK, NEW YORK, N.Y.
SWIFT CODE CITIUS33
ABA 021000089
for final credit to the account of:
BANCO GENERAL, S.A. - PANAMA
ACCT 10951934
SWIFT CODE BAGEPAPA
For Final Credit to: Turismo Educacional, S.A.
Account number: 03-48-01-125516-5

If you prefer to pay for your program with a cryptocurrency, you're in luck! Habla Ya is now accepting payments in Bitcoin, Etherium, Litecoin, Dash and Bitcoin Cash.

We accept checks from any local bank (from bank accounts within Panama) at no extra cost, on or before the day your course starts.

You can make an online wire transfers to Panama using Western Union. If you decide to use this method to make your payment please address payments to:

Carlos Raúl Cabrera Toledo
Boquete, Chiriqui
Panama
Telephone 730 - 8344