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.

Plataforma de pagos para freelancers: qué revisar

Lista útil para pagos internacionales: contraparte, documentos, comisiones, retención, disputas y acceso al retiro.

La respuesta breve

Elige por la operación completa, no por la comisión de transferencia anunciada. Confirma quién contrata con el cliente, qué nombre aparece en la factura, qué documentos fiscales aporta cada parte, cuándo queda disponible el saldo pagado, cómo se tratan las reclamaciones y la comisión exacta de retiro. PANORAMA es un servicio de facturación y liquidación que trabaja con una empresa registrada en Estados Unidos que emite la factura; no es un banco ni un servicio de escrow.

Del trabajo al retiro

01
Tú facturas
Describes el trabajo y el importe. La factura sale en el idioma de tu cliente, con datos bancarios estadounidenses.
02
Él paga
Recibe una factura de nuestra empresa estadounidense y la documentación fiscal aplicable de la empresa. Tú sigues siendo responsable de tus propios formularios y obligaciones fiscales.
03
Tú retiras
Transferencia bancaria, Wise o USDT en TRC-20, ERC-20, TON y Solana. Eliges la vía antes del primer retiro.

Comprueba esto antes de enviar la factura

Usa la razón social y dirección de facturación exactas.
Describe el servicio con palabras claras que coincidan con el contrato.
Revisa comisión, plazo de retención y método de retiro antes de enviar.
No cambies el número ni la fecha después de emitir la factura.

Documentos y responsabilidad

PANORAMA entrega al cliente los documentos aplicables de su empresa estadounidense. Las personas no estadounidenses normalmente entregan W-8BEN a PANORAMA; las entidades extranjeras suelen usar W-8BEN-E. La disponibilidad depende de verificación y jurisdicción. Es información operativa, no asesoría fiscal.

PANORAMA payments

Guías prácticas relacionadas

Cómo cobrar de clientes de Estados Unidos Cómo facturar a una empresa de Estados Unidos como freelancer Cómo cobrar en USD como freelancer

¿Listo para facturar?

Crea una cuenta, completa la verificación y consulta comisión, retención y métodos disponibles antes de enviar.

Crear cuenta

La respuesta breve

Del trabajo al retiro

Tú facturas

Él paga

Tú retiras

Comprueba esto antes de enviar la factura

Documentos y responsabilidad

Guías prácticas relacionadas

¿Listo para facturar?