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.

自由职业者付款平台：选择前应检查什么

国际自由职业者收款清单：合同主体、发票文件、费用、保留规则、争议和提现权限。

简短答案

不要只看宣传的转账费，要按完整交易来选择平台。确认谁与客户签约、发票上是谁的名称、双方分别提供哪些税务文件、已付款余额何时可用、投诉如何处理，以及确切的提现费用。PANORAMA 是与一家在美国注册的开票公司合作的开票与结算服务；它不是银行，也不是托管服务。

从工作到提现

01
您开票
写明工作内容与金额。发票以客户的语言发出，并附美国银行信息。
02
客户付款
客户会收到由我们的美国公司开具的发票及该公司适用的美国税务文件。您仍须对自己的税务表格和纳税义务负责。
03
您提现
银行转账、Wise，或 TRC-20、ERC-20、TON、Solana 上的 USDT。首次出款前由您选定。

发送发票前请检查

使用客户准确的法定名称和账单地址。
用与合同一致的清楚语言描述服务。
发送前确认费用、保留期和提现方式。
开具后不要更改发票编号和日期。

文件与责任

PANORAMA 向客户提供其美国公司适用的文件。非美国个人通常向 PANORAMA 提交 W-8BEN，外国实体通常提交 W-8BEN-E。服务取决于验证和司法辖区。这是流程说明，不是税务建议。

PANORAMA payments

准备向客户开票？

创建账户并完成验证，在发送发票前查看确切费用、保留期和可用提现方式。

创建账户

简短答案

从工作到提现

您开票

客户付款

您提现

发送发票前请检查

文件与责任

相关实用指南

准备向客户开票？