DevelopmentBackend Developer

Get Paid for Backend Work Done for US Clients

You registered with PANORAMA payments and described the client and the work. The invoice is issued by a US company, so your American client pays by ACH or wire to a US bank, with a W-9 available. PANORAMA payments then pays you in your own country by bank transfer, SWIFT, SEPA, Wise, a local account, or dollar-denominated digital assets.

Get Paid for Backend Work Done for US Clients

What this looks like for you

You are used to shipping code that runs in production. With PANORAMA payments, the invoice for that work comes from a US company, so your client's accounts payable treats it as domestic. No W-8, no international wire instructions, no tax form confusion. You can bill hourly, per milestone, or as a retainer, and get paid in your own country by the method that works for you. The platform fee is taken once, after the client pays, and you still handle your own taxes. For backend developers whose client expects production access before the first invoice, this keeps the payment side as clean as the code you ship.

What your client receives

From
A US company, W-9 on request
Bill to
Your client, a company or a person
01Backend API development, database schema, and deployment

An example line, not a real invoice. Your own wording, amounts and currency go on the document itself.

Why a US Company on the Invoice

You have probably seen a US client hesitate when they learn you are outside the country. Their accounts payable is built for US vendors: W-9 forms, ACH transfers, no international wire fees. A foreign invoice means extra work for them, and sometimes that work lands on you.

Routing your invoice through a US company removes that friction. The client pays a US bank in dollars, and the invoice looks domestic. The tradeoff is a platform fee, taken after the client pays. That fee does not buy tax advice or an employer. It just keeps the payment moving.

How One Payment Runs

You register with PANORAMA payments, verify your identity once, and describe the client and the work. When you bill, the US company issues the invoice. The client pays by ACH or wire to a US bank, and a W-9 is available if they ask.

The invoice can be in any of eleven currencies, and the payer can be a company or an individual, in the US or almost anywhere. Once the money arrives, the platform fee is deducted and you are paid in your own country by bank transfer, SWIFT, SEPA, Wise, a local account, or dollar-denominated digital assets.

What the Platform Does Not Do

PANORAMA payments is not your employer and does not give tax advice. You are still responsible for your own taxes at home. The platform does not promise how fast a payment will arrive or guarantee that a client will pay on time.

It also does not replace your relationship with the client. You still deliver the work and handle scope changes. What changes is that the client's finance team sees a US vendor, so the invoice does not get stuck in an international review.

For Backend Work, This Matters

Backend work means access to production systems often happens before the first invoice is paid. Your client's security review and payment paperwork can collide. A US invoice keeps that collision from turning into a delay.

You can bill hourly, per milestone, or as a monthly retainer. The invoice line says what it is: API development, database migration, integration, deployment. The payment side becomes as routine as the code you ship.

How you get paid

  1. 1
    Register and verify once

    An identity document and a photograph. It is done once, and it has to be finished before the first payout rather than on the day you are waiting for money.

  2. 2
    Describe the client and the work

    Who they are, what was agreed, the amount and the currency. The client and their country are screened before anything is sent, so a payment is not refused after the work is delivered.

  3. 3
    The invoice goes out from a US company

    Your client receives an invoice from a United States supplier, with US banking details and IRS Form W-9 on request. They pay by ACH or wire, domestically.

  4. 4
    You are paid where you live

    One platform fee is deducted and the rest is sent to you by whichever route works in your country: bank transfer, SWIFT, SEPA, Wise, a local account, or dollar-denominated digital assets.

One platform fee of 10% is deducted when you are paid. No subscription, no signup fee, and nothing is charged until your client has paid.

Questions people in this trade ask

Do I need a US bank account to receive payment?

No. You are paid in your own country. Depending on where you live, PANORAMA can send money by bank transfer, SWIFT, SEPA, Wise, to a local account, or as dollar-denominated digital assets. You never need to open a US bank account.

Can my client pay by credit card?

The client pays by ACH or wire transfer to a US bank. Credit cards are not part of this process. If your client usually pays by card, they will need to use a bank transfer for your invoice. This keeps the process consistent and avoids card fees.

Does PANORAMA handle my taxes?

No. You are responsible for your own taxes at home. PANORAMA does not give tax advice and is not your employer. The platform only handles the payment flow. You should talk to a local accountant about what you owe.

Can I invoice in a currency other than US dollars?

Yes. The invoice can be issued in eleven currencies, including euros, pounds sterling, Canadian and Australian dollars, and Swiss francs. The client pays in that currency, but the money is received by the US company and then paid to you in your own currency.

What if my client is not in the United States?

That works too. The payer can be in any country that is not under sanctions. They still pay the US company by ACH or wire, so the invoice remains a US domestic transaction. It does not matter where they are, as long as their bank can send the payment.

Send your first invoice

Create an account, pass verification and raise an invoice. Nothing is charged until your client pays it.

Get started

You keep the client, the contract and the price. We handle the invoice and the payout.

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PANORAMA payments is a payment service. It is not an employer, not an agency and not a tax adviser, and nothing on this page is tax or legal advice.