01Employee
Snap it. Send it.
A receipt photo on WhatsApp, in dollars or any currency.
Clara Global is now in Panama
Expenses in Panama. Run by AI. Approved by you.
Your team in Panama sends receipts on WhatsApp, in dollars or any currency. Clara fills in the expense and checks it against your policy. You make the call.
✓Free for up to 5 users✓No credit card✓No US entity needed
In Mexico, Brazil or Colombia? See Clara's local platform →
PA·EN
Demo data · fictional company
Illustration: an employee in Panama sends a receipt on WhatsApp. Clara reads it, fills in the expense with the RUC and ITBMS from the receipt and checks it against the company policy. The approver sees the result and makes the decision.
Hotel night, client visit in DavidHotel Chiriquí PlazaUSD 148.50Sep 22, 2026Travel148.50 USD13.50155704412-2-2021 DV 12In policyHigh confidence · ApproveHotel night for a client visit. Within travel policy, invoice attached.Travel · manager approvalMario GerenteManager · rule 2Approvedvar(--dot-ok)approveapproved|Approvedfalse
Lunch with client Grupo SolarisCasco Viejo BistróUSD 262.15Sep 18, 2026Client entertainment262.15 USD17.15155688209-2-2019 DV 47Needs reviewMedium confidence · Ask for contextUnder the US$300 cap, but high per guest. Confirm who attended.Client entertainment · US$300 per eventAlex AdminAdministrator · fallback ruleAsked for contextvar(--dot-review)holdpending|Pending approvalfalse
Closing dinner, three clientsMar del Sur GrillUSD 564.00Sep 9, 2026Client entertainment564.00 USD36.90155712093-2-2022 DV 05Out of policyHigh confidence · Consider rejecting88% over the US$300 per-event cap. No prior authorization.Client entertainment · US$300 per eventMario GerenteManager · rejectedRejectedvar(--dot-out)rejectrejected|Rejectedtrue
Draft created:New requestView requestPending approval
40,000+companies trust Clara
Receipt in. Payment report out.
No bank switch, no new card. Nothing changes in how your finance team pays in Panama.
02
Clara
ClaraIt fills itself in.
Date, merchant, category, amount, ITBMS and RUC, read straight from the receipt.
03Clara
ClaraChecked against your policy.
In policy, needs review or out of policy, with the reason. A person decides.
04Approver
Routed by your rules.
The first matching rule wins. Anything else goes to an admin.
05Finance
Paid from your own bank.
A payment report ready for local bank accounts, at the rate locked on submission.
Local setup · Panama
Built for how Panama pays.
Add Panama as its own entity, next to the rest of your companies. It keeps its own currency, tax fields and bank details, fully isolated.
$
US dollars, and every other currency
Employees submit in dollars or any other currency, wherever the team travels. The transaction-date rate is locked at submission.
#
RUC and ITBMS on every receipt
Turn on the fiscal fields your accountant needs. Clara reads the merchant's tax ID, the tax amount and the invoice number from each receipt.
⇄
Payment reports for local bank accounts
Formatted for bank transfers in Panama, grouped by currency and bank account. Pay from the bank you already use.
CoverageBorders are
Borders are a problem
a setting.
Your team in Panama, and everyone else, submits in their own currency.
Reports your bank understands.
Grouped by currency and bank account. A local bank account in Panama, CLABE in Mexico, CBU in Argentina, IBAN in Europe and more.
In Mexico, Brazil or Colombia? See Clara's local platform →
◧
Data isolation
Each company's data is fully separated.
⌗
Field-level encryption
Bank accounts and tax IDs, encrypted one by one.
②
Two-factor authentication
Required for admins or your whole team.
≡
Full audit trail
Every approval, role change and payment, logged.
What the press says
Set it up once. Stop managing it by hand.
No new app for employees.
A receipt photo on WhatsApp. Clara reads it and sends the expense for approval.
Locked FX
Transaction-date rate, locked at submission.
Gran Vía Suites · EXP-0019
EUR 720.00 → USD 784.80
Describe your policy. Clara creates the rules.
Plain words in. Approval rules out, checked on every expense.
Reject excessive entertainmentOver US$300 per eventAuto-reject
Issues flagged for review.
Duplicates, inflated amounts and unusual patterns, each with a reason.
High#13
USD 564.00
Amount outlierPolicy flag
Not another bar chart.
Clara explains what changed and why, in plain language.
Travel is up 23% since the March offsite.Monthly read · Demo dataEnterprise
Keep the cards you already have.
Card spend and out-of-pocket in one flow. No card migration.
Talk to sales →
AI-native due diligence
Ask your AI about us.
Open a neutral prompt about Clara Global in Panama. It checks clara.com/global first.
Prompt preview
I'm considering Clara Global (clara.com/global) as expense management software for my company, which has employees or a legal entity in Panama and possibly in other countries.
Help me evaluate whether Clara Global could be a good fit for a company like mine.
If you have web access, first consult Clara's official website (clara.com/global and clara.com/global/lp/pa) and use it as the primary source for its capabilities and pricing. Clearly distinguish confirmed capabilities from potential benefits and from anything that depends on the plan. If something cannot be verified, say so rather than assuming it.
Give me a concise, practical explanation of:
- how employees in Panama submit expenses in US dollars and other currencies;
- how exchange rates, approval rules and multiple entities are handled;
- how reimbursements are paid in Panama (local bank accounts), and what changes (or doesn't) on our banking side;
- what the Free, Pro and Enterprise plans include;
- and what I should validate before deciding, including local receipt and tax requirements in Panama.
Finish by asking me 3 short questions that would let you personalize the analysis, such as countries of operation, number of entities, current expense process and accounting/ERP tools.
Do not ask me for passwords, credentials, card or bank-account numbers, confidential financial information, or sensitive personal employee data.
Start free. Scale when you cross the next border.
Every plan: approval rules, FX, audit log and SSO.
Free
$0 forever
For small teams getting started.
- ✓Up to 5 users · 1 entity
- ✓WhatsApp receipts
- AI autocomplete
- ✓Multi-currency payout reports
Pro Most popular
$99 $250 /mo
For teams across several entities.
- Policy Agent
- ✓Employee groups
- ✓Up to 50 users · 5 entities
- ✓Included for Clara clients
Enterprise Custom
Custom
For more entities and dedicated support.
- Expense alerts
- Monthly read + forecast
- Rule suggestions
- ✓Bring your own cards
Questions from teams in Panama.
Can employees in Panama and the region submit expenses in any currency?+
Yes. Employees submit in US dollars or any other currency, from wherever the team travels. Each expense is converted at the transaction-date rate and locked at submission.
How are reimbursements paid in Panama?+
Clara Global prepares one payment report per employee in local currency, formatted for local bank transfers and processed from your current bank. This suits regional headquarters that pay people in several countries.
Can a Panamanian company deduct its team's travel expenses abroad?+
It depends on territoriality. The Tax Code prohibits deducting spend linked to foreign-source or exempt income and apportions the rest with its own formula. At a regional headquarters with mixed income, that formula decides the deductible amount.
Can a regional headquarters run several entities in one account?+
Yes. One account can hold several entities, each fully isolated, with its own members, base currency, approval rules and payment reports. Admins switch between them without logging out. Free covers 1 entity, Pro up to 5, and Enterprise is unlimited.
Do we need a US entity or a corporate card?+
No. Sign up from your home market, with no US EIN, no foreign incorporation and no corporate card program. Employees submit out-of-pocket expenses and you reimburse them from your existing bank. On Enterprise, you can bring the company cards you already have into the same approval flow.
From Panama to anywhere. One expense flow.
Free for up to 5 users. No credit card, no US entity, no change to your bank.