The full sequence
You start by creating an account and verifying your identity a single time. This involves providing standard information and documentation, and it takes a few minutes. Once verified, you do not need to repeat the process for future invoices.
Next, you add the client and describe the work. For a cloud engineering engagement, this often means outlining the scope, the project timeline, and the billing arrangement, whether hourly or fixed price. You then request an invoice. PANORAMA issues the invoice from a United States company, and your client receives it with payment instructions.
The client pays by ACH or wire to a US bank account in dollars. After the payment is received, PANORAMA deducts one platform fee and transfers the remaining amount to you using the payout method you have chosen. There is no monthly subscription and nothing is charged before the client pays.
What your client receives
Your client sees an invoice from a United States company, which means their accounts payable process stays entirely domestic. They pay by ACH or wire to a US bank, and the amount is always in US dollars. On request, the client can receive a W-9 form, which many US companies require before processing payment to a contractor.
The client does not need to be an American company or individual; they can be based in any country that is not under sanctions. However, the invoice is always issued by the US company, so the client's payment goes to the US. The invoice can be issued in a range of currencies, including US dollars, euros, pounds sterling, and others, but the payment received by the US company is always in dollars. This keeps the client's payment process simple and predictable.
Getting paid in your country
Once the client's payment is in hand, PANORAMA transfers the money to you. The payout method depends on your country of residence. Options can include a bank transfer, SWIFT, SEPA, Wise, a local account, or dollar-denominated digital assets. You choose the method that is most convenient for you.
The platform fee is deducted from the client's payment before the money is sent to you. There is no other charge, no monthly subscription, and no fee before the client pays. The fee amount is shown to you before you request the invoice, so you know what you will receive. The transfer to you is made in the currency of your choice, as available in your country.
Your tax responsibilities
You remain responsible for your own taxes in your home country. PANORAMA payments does not provide tax advice, and it is not your employer. The payment you receive is the gross client payment minus the platform fee, and you should account for that income according to the rules where you live.
The fact that your client paid a US company does not change your tax status. You are still an independent contractor or business owner, and the income is foreign-earned in most cases. Consult a tax professional who understands cross-border arrangements if you have questions about how to report this income.