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.

Plateforme de paiement freelance : les points à vérifier

Une liste utile pour les paiements internationaux : cocontractant, documents, frais, retenue, litiges et accès au versement.

La réponse courte

Choisissez selon l’opération complète, pas seulement selon les frais de transfert annoncés. Vérifiez qui contracte avec le client, quel nom figure sur la facture, quels documents fiscaux chaque partie fournit, quand le solde payé devient disponible, comment les réclamations sont traitées et le coût exact du versement. PANORAMA est un service de facturation et de règlement qui travaille avec une société enregistrée aux États-Unis qui émet la facture ; ce n’est ni une banque ni un service d’entiercement.

Du travail au versement

01
Vous facturez
Vous décrivez la prestation et le montant. La facture part dans la langue du client, avec des coordonnées bancaires américaines.
02
Il paie
Il reçoit une facture de notre société américaine et les documents fiscaux américains applicables à celle-ci. Vous restez responsable de vos propres formulaires et obligations fiscales.
03
Vous retirez
Virement bancaire, Wise, ou USDT sur TRC-20, ERC-20, TON et Solana. Vous choisissez la voie avant le premier versement.

À vérifier avant l’envoi

Utilisez la dénomination légale et l’adresse de facturation exactes.
Décrivez le service clairement, comme dans le contrat.
Vérifiez frais, délai de retenue et moyen de versement avant l’envoi.
Ne modifiez ni numéro ni date après émission.

Documents et responsabilités

PANORAMA fournit au client les documents applicables de sa société américaine. Les personnes non américaines remettent généralement un W-8BEN à PANORAMA ; les entités étrangères un W-8BEN-E. La disponibilité dépend de la vérification et de la juridiction. Il s’agit d’informations opérationnelles, pas de conseil fiscal.

PANORAMA payments

Guides pratiques associés

Comment être payé par des clients américains Comment facturer une société américaine en tant que freelance Comment être payé en USD en tant que freelance

Prêt à facturer un client ?

Créez un compte, terminez la vérification et consultez frais, retenue et moyens disponibles avant l’envoi.

Créer un compte

La réponse courte

Du travail au versement

Vous facturez

Il paie

Vous retirez

À vérifier avant l’envoi

Documents et responsabilités

Guides pratiques associés

Prêt à facturer un client ?