A freelancer payment portal for clients in the US and Europe
A freelancer payment portal is where invoices are issued, paid and paid out from, with the documents kept in the same thread. In PANORAMA payments the portal belongs to a US company: your client pays that company by ACH or domestic wire as an ordinary vendor, the amount appears on your balance less one fee, and you withdraw it on the rail that works in your country.
What the portal does
Invoices in eleven currencies
USD, EUR, GBP, CAD, AUD, CHF, AED, PLN, ILS, HKD or CNY. The work description is screened once for IT and IT-adjacent services, then the invoice goes out on the US company’s details with a W-9 available on request.
Clients pay like they always do
A company in the US pays by ACH or domestic wire. A client in Canada, the EU, the UK or Australia pays the same US company in their currency. Nobody on the client side learns a new tool.
One balance, your choice of payout
Paid invoices land on a balance. Withdraw in USDT over TRC-20, ERC-20, BEP-20, TON or Solana, or by SWIFT, SEPA or Wise. Which rails are available depends on your country and is shown during registration.
Documents that survive an audit
Every paid invoice carries its own agreement, payment receipt and, for the client, a W-9. Your bookkeeper gets the same set for every payment, in the same order, every time.
Verify once
KYC happens once at sign-up, with occasional re-checks. After that an invoice takes minutes, and the portal remembers the clients you have already billed.
Twelve languages
The cabinet, the invoices flow and the help pages exist in English, Russian, Ukrainian, Hindi, Chinese, Indonesian, Spanish, Vietnamese, Filipino, French, German and Portuguese.
What it deliberately does not do
- Not a marketplace. You bring your own clients and keep the relationship; there is no commission on finding work because no work is found here.
- Not escrow. Money moves when the client pays the invoice, not on milestones, and nothing is held against delivery.
- No subscription, no per-seat charge, no account fee. An invoice that is never paid costs nothing.
- No FX markup inside the fee. Invoices are issued and settled in the currency you chose; conversion happens where you choose to do it.
How the money travels, step by step, is on how you get paid; the wider picture of routes and costs is on freelancer payments; studios and IT companies have their own page.
Questions before the first invoice
Is a freelancer payment portal the same as a merchant of record?
Here, yes: the portal is the interface, the merchant of record is what stands behind it. The US company that owns the portal is the vendor your client contracts with and pays, and it pays you out. A portal that only collects card payments on your behalf is a payment processor, which is a different thing with different paperwork.
What does the portal cost?
One platform fee per paid invoice: 10% as standard, down to 7% with a partner or promotional code, and an individually agreed rate for regular volume. The payout calculator shows the net amount per method from the live settings. There is no subscription.
Can agencies and small companies use it?
Yes. An agency verifies once, invoices any number of clients and receives payouts to the account it verified. Volume rates are agreed directly; the agencies page describes the differences that matter to a studio.
How do I start?
Open an account, pass verification, describe your client and the work, and issue the first invoice. From invoice to money in hand takes about a week on bank rails; the USDT payout itself takes minutes.
Issue your first invoice from a US company
Registration and verification take about fifteen minutes. The invoice goes out as soon as compliance approves your documents.
Open an account