CifraHQ generates all statutory Payroll exports automatically from your closed periods. No manual data entry into spreadsheet templates is needed.
The SIPE planilla is the monthly electronic Payroll submission required by the Caja de Seguro Social. It is a 24-column Excel file formatted to the CSS specification.
The file downloads immediately.
The SIPE file contains one row per employee per period. Columns match the CSS SIPE upload template:
| Column group | Contents |
|---|---|
| Employee identity | Cedula, name, social security number |
| Period dates | Start date, end date, payment date |
| Earnings | Base salary, overtime, commissions, other cotizable income |
| Employee deductions | CSS employee (9.75%), SE employee (1.25%) |
| Employer contributions | CSS employer (12.25%), SE employer (1.50%), Occupational Risk |
| Gross and net | Total cotizable salary, net pay |
| Working days | Declared working days for the period |
After downloading:
The ACH file is a structured text file used to instruct your bank to credit each employee's net pay to their bank account in a single batch transaction.
The ACH file follows Panama's interbank ACH format. Each record contains:
| Field | Source |
|---|---|
| Employee name | Employee.FullName |
| Bank code | EmployeeBankAccount.BankCode |
| Account number | EmployeeBankAccount.AccountNumber |
| Account type | Savings or Checking |
| Amount | Net pay for the period |
| Reference | Period code and payment date |
Employees without a bank account are omitted from the ACH file with a warning in the download log. Verify that every active employee has a primary bank account before downloading.
Confirm the bank has credited all accounts. There is no automatic reconciliation between the ACH file and CifraHQ bank accounts — record the outgoing bank transfer in Banking > Bank Transactions referencing the Payroll period.
Form 03 is the annual employment income and ISR withholding declaration filed with the Dirección General de Ingresos (DGI). It covers the full calendar year and must be filed by May 31 of the following year.
The file is generated immediately.
Form 03 consolidates ISR data from all closed Payroll periods in the selected year. For each employee:
| Field | Description |
|---|---|
| Employee name | Full legal name |
| Cedula / Passport | Document number |
| Annual Gross Income | Total cotizable earnings across all closed periods |
| ISR Withheld | Total ISR withheld across all periods |
| Personal Exemption | B/. 800 standard exemption |
| Net Taxable Income | Gross − Exemption |
| Employer name and RUC | Company identification |
CifraHQ does not submit Form 03 electronically to DGI. After downloading:
Individual payslips can be downloaded from any closed Payroll run.
CifraHQ generates one PDF per employee in the run.
| Section | Contents |
|---|---|
| Header | Company name and RUC, employee name and cedula, period dates, payment date |
| Earnings | Each earning concept with quantity, rate, and amount |
| Deductions | CSS, SE, ISR, and any other deduction lines |
| Employer costs | CSS employer and SE employer (for reference, not deducted from employee) |
| Net Pay | Total earnings minus total deductions |
| Bank account | Last 4 digits of the primary bank account |
Payslips are in Spanish and formatted for A4 printing.
A constancia laboral is a formal employment verification letter. It is not period-specific — it reflects the employee's current status.
The PDF downloads immediately.
The constancia is generated at the time of the click — it always reflects the current contract salary and computed seniority, not a historical snapshot.
Related: Periods & Runs · Compliance Calendar · Employees
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