SISTEMA Clave
The largest interbank bank of ATMs and points of sale in Panama.
The largest interbank bank of ATMs and points of sale in Panama.
The Sistema Clave brand is a service available for Financial Institutions with general license, consisting of an automated teller machines banking network and points of sale operated by TELERED, S.A.
SISTEMA Clave offers electronic transactions processing services made through debit cards, accessing the accounts the individual customers maintain in the different financial institutions affiliated to the network.
Currently, SISTEMA Clave has more than 40 Financial Institutions (Banks and Credit Unions) affiliated to the network, which, as a whole, have issued more than 1,000,000 Clave debit cards. The network has more than 1,900 automated teller machines installed throughout the country.
The transactions available at ATMs are divided into two types:
SISTEMA Clave has available for all its cardholders its nationwide ATMs network, 24 hours per day, 365 days of the year, where a wide range of transactions can be made, such as:
We combine the strengths of each payment processing company.
TELERED provides a complete service to the Financial Institutions that decide to issue VISA and MasterCard debit cards, taking advantage of the existing infrastructures and exploiting the strengths of each company in the different processes involved.
This service combines the strength of the Clave card in the automated teller machines with the acceptance of the credit cards when making purchases.
In only an average of five seconds, the SISTEMA Clave cardholders can pay all their purchases at the merchants affiliated to SISTEMA Clave, without charges per transaction, without risks and without delays.
Just by presenting your Clave card at the merchants affiliated to SISTEMA Clave, the cardholder can make purchase transactions and at the same time obtain the following benefits:
Making a transaction at the SISTEMA Clave points of sale is very simple, convenient and safe for the cardholder; he/she only has to follow the steps that appear below:
The following financial institutions are members of the Sistema Clave: