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 an escrow service. The client pays for work already agreed; after the payment is confirmed the net amount stays on a payment hold (10 calendar days for an individual freelancer, 7 calendar days for an agency, fixed on each invoice when it is issued), and a client complaint opened in that window pauses release while it is reviewed.
- 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.
One invoice, worked through
Assumption: a US company owes you 1,000 USD for finished work and pays it in full. The figures come from the same settings the invoice is billed from.
| Invoice to your US client | 1,000 USD |
|---|---|
| Platform fee (10% standard, 7% with a partner or promotional code) | minus 100 USD |
| Net on your balance after the payment hold | 900 USD |
| Payout | minus the fixed fee of the payout method you pick, listed per method in the calculator |
Nothing else is deducted by the portal: no subscription, no account fee, no conversion margin inside the fee. The payout calculator runs the same sum for your amount, currency and payout method.
Is this the right tool for your client?
| If | Use |
|---|---|
| A US, Canadian or EU company will only pay a local supplier, or asks you for a W-9 | This portal: the invoice comes from a US company and the client pays it like any domestic bill. |
| Your income comes through Upwork, Fiverr or another marketplace | The marketplace's own payout. It already handles who pays; a second invoice adds nothing. |
| The client is a private person who can send a transfer | A personal account such as Wise or your own bank. No company paperwork is needed on their side. |
| The client already pays you by international wire without friction | Keep doing that. Ask for the OUR charge code so the full amount arrives. |
| You sell goods, resell someone else's services or collect money for a third party | Not this portal. Invoices are for your own services, and the description is screened before issue. |
The wider comparison, tool by tool, is in freelance payment systems compared and Payoneer alternatives.
Questions before the first invoice
Who does the client contract with and pay?
The client contracts with and pays a US-registered company that issues the invoice. That company provides its applicable US tax documentation; the freelancer remains responsible for their own tax documentation and tax obligations.
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 long from invoice to money in my account?
Three stages. The client's payment arrives: ACH usually takes one to three business days, a domestic wire is faster, and how soon the client pays is up to their own payment cycle. The confirmed amount then stays on a payment hold of 10 calendar days for an individual freelancer (7 calendar days for an agency); the number is fixed on each invoice when it is issued. After that you withdraw: a USDT payout takes minutes, bank rails the usual one to three business days.
What does my client receive?
An invoice from a US company describing your work, US bank details to pay it by ACH or wire, and a W-9 on request. With the paid invoice come the service agreement and a payment receipt. The services are treated as accepted after 7 business days from the invoice date unless the client reports a defect in writing.
When should I not use the portal?
When your income comes through a marketplace, when the client is a private person who can simply send a transfer, or when a company already pays you by international wire without friction. The portal is built for one situation: a company in the US, Canada or the EU that will only pay a local supplier.
How do I start?
Open an account, pass verification, describe your client and the work, and issue the first invoice. The payout methods available in your country are shown before you register, and the calculator shows the net amount for each one.
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