What does PANORAMA payments do?

PANORAMA payments is a US merchant of record for freelancers and agencies outside the United States. It issues the invoice to the freelancer's US, Canadian or EU client from a US company, receives the client's payment, and pays the freelancer out by bank transfer, SEPA, Wise or USDT for one fee per paid invoice.

Why is it easier for a US client to pay through PANORAMA payments?

The client receives an invoice from a US company with US bank details and, on request, an IRS Form W-9, and pays it like any domestic supplier invoice. There is no foreign vendor to onboard and no W-8BEN to collect. How the expense is treated for tax is a question for the client's own accountant.

Which languages does PANORAMA payments support?

The site and the vendor cabinet are available in twelve languages: English, Spanish, Portuguese, French, German, Ukrainian, Russian, Hindi, Mandarin Chinese, Bahasa Indonesia, Vietnamese and Tagalog.

How does PANORAMA payments handle KYC and compliance?

Every freelancer and agency passes KYC identity verification before invoicing. Countries and regions under sanctions are not onboarded, client payments are confirmed by staff before they reach a vendor balance, and newly added payout details go through a holding period before money can be sent to them.

How do contractors and agencies get paid?

US clients pay to standard US bank details by ACH or wire. After the payment clears and KYC checks pass, PANORAMA payments pays the balance, less one platform fee, to the contractor or agency by bank transfer (SWIFT or SEPA), Wise or USDT, depending on the routes open in their country.

I am a developer in Asia or the CIS. How do I invoice a client in the US, Canada or the EU?

You register on the PANORAMA payments platform, pass KYC and issue the invoice through PANORAMA payments. Your client receives an invoice from an American company with US bank details and a W-9 on request, pays it as a domestic supplier invoice, and PANORAMA payments pays you out over the payout rails available in your country. You do not need to register a company abroad, open a foreign bank account or explain your jurisdiction to the client.

Are there countries PANORAMA payments cannot work with?

Yes, and the rules are shown before you register rather than discovered at payout time. A restricted list of countries and regions cannot be onboarded and cannot receive payouts at all, for sanctions and banking-compliance reasons; US residents are also not onboarded as vendors. For every other country the set of available payout methods differs, because correspondent banks do not reliably settle every rail everywhere. Which methods are open to you is shown before registration and again before a payout destination is saved.

Can I be paid in USDT, and what exactly is USDT?

Yes, USDT is one of the payout routes, alongside bank transfer, Wise and SEPA in euro. USDT is a token issued by Tether and pegged to the US dollar, so one USDT is intended to be worth one dollar. It moves over TRC-20, ERC-20, TON and Solana, arrives within minutes, and does not wait for a banking day. It is not a bank deposit and no state insures it, so anyone who would rather not hold it can take a bank transfer or Wise instead without anything about the invoice changing. Which routes are open depends on the vendor country and is shown during registration.

How long does it take to get paid through PANORAMA payments?

About a week end to end. The invoice goes out on day zero. A domestic wire from the client usually lands the same day and an ACH payment clears within one to three business days. The amount joins the vendor balance on the day it clears. A payout to a bank account then takes one to two days, and a USDT payout takes minutes.

What does PANORAMA payments charge, and are there any other fees?

One platform fee, taken from the invoice when it is paid. It covers issuing the invoice, the documents that accompany it (a W-9 on request, a service agreement and a payment receipt) and the payout itself. There is no monthly subscription, no per-seat charge, no fee for keeping an account open, and nothing at all is charged for an invoice that is never paid. Large-volume agencies can be quoted a lower rate.

Als Freelancer eine US-Firma richtig abrechnen

Was die US-Kreditorenbuchhaltung braucht, wer das W-9 bereitstellt und welches Steuerformular für Freelancer gilt.

Die kurze Antwort

Verwenden Sie den vollständigen Firmennamen und die Rechnungsanschrift des Kunden, beschreiben Sie die erbrachte Leistung klar, nennen Sie Währung und Betrag und lassen Sie Rechnungsnummer und Datum unverändert. Das US-Rechnungsunternehmen ist die abrechnende Vertragspartei und stellt ihr anwendbares W-9 bereit. Nicht-US-Privatpersonen reichen bei PANORAMA W-8BEN ein, ausländische Gesellschaften in der Regel W-8BEN-E. Für Steuerstatus und lokale Meldungen bleibt der Freelancer verantwortlich.

Von der Leistung zur Auszahlung

01
Sie stellen aus
Sie beschreiben die Leistung und den Betrag. Die Rechnung geht in der Sprache Ihres Kunden hinaus, mit amerikanischer Bankverbindung.
02
Er zahlt
Er erhält eine Rechnung unserer US-Gesellschaft und deren anwendbare US-Steuerunterlagen. Sie bleiben für Ihre eigenen Steuerformulare und -pflichten verantwortlich.
03
Sie zahlen sich aus
Banküberweisung, Wise oder USDT auf TRC-20, ERC-20, TON und Solana. Den Weg wählen Sie vor der ersten Auszahlung.

Vor dem Versand prüfen

Verwenden Sie den exakten Firmennamen und die Rechnungsanschrift.
Beschreiben Sie die Leistung klar und vertragsgemäß.
Prüfen Sie Gebühr, Haltefrist und Auszahlung vor dem Versand.
Ändern Sie Rechnungsnummer und Datum nach Ausstellung nicht.

Unterlagen und Verantwortung

PANORAMA stellt dem Kunden die anwendbaren Unterlagen ihrer US-Gesellschaft bereit. Nicht-US-Privatpersonen reichen üblicherweise W-8BEN bei PANORAMA ein, ausländische Gesellschaften W-8BEN-E. Verfügbarkeit hängt von Prüfung und Rechtsraum ab. Dies sind Prozessinformationen, keine Steuerberatung.

PANORAMA payments

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Erstellen Sie ein Konto, schließen Sie die Prüfung ab und sehen Sie Gebühr, Haltefrist und Auszahlungsmethoden vor dem Versand.

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Die kurze Antwort

Von der Leistung zur Auszahlung

Sie stellen aus

Er zahlt

Sie zahlen sich aus

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