From signup to invoice, step by step
You begin by creating a PANORAMA account and verifying your identity once. Verification is required for payment regulations and stays on file for future payments. After that, you set up each new client and describe the work you are doing for them.
The description covers what you deliver: a dashboard, a recurring report, an analysis answering a specific question, or cleaned data the team will use. PANORAMA generates an invoice that matches the work you agreed to. The invoice is issued by a United States company, so your client pays a domestic entity.
Once the invoice is sent, there is nothing else for you to do until the client pays. PANORAMA handles the merchant of record role for the transaction.
How your client pays
Your client receives an invoice from a US company, so their accounts payable process is entirely domestic. They pay by ACH or wire transfer, in US dollars, to a US bank account. If they ask for a W-9 form, one is available on request.
The client does not have to be in the United States. PANORAMA accepts payment from companies or individuals in any non-sanctioned country. The invoice can be issued in eleven currencies, including US dollars, euros, pounds sterling, Canadian dollars, Australian dollars, and Swiss francs. The money is always received by the US company.
For US clients, this removes the friction of paying a foreign contractor. They do not set up international payments or deal with currency conversion. The invoice fits the template their finance team already uses.
Getting paid at home
After the client pays, PANORAMA deducts one platform fee from the amount received. There is no monthly subscription and nothing is charged before the client has paid. The fee is the only deduction from your invoice amount.
Then PANORAMA pays you in your own country. Depending on where you are, the payment can arrive by bank transfer, SWIFT, SEPA, Wise, a local account, or dollar-denominated digital assets. You choose the method that works best for you when you set up your payout details.
You remain responsible for your own taxes at home. PANORAMA payments does not give tax advice and is not your employer. The money you receive is your gross revenue, and you handle your local tax declarations as usual.
Paperwork and compliance
The invoice your client receives shows a US company as the issuer. This company is the merchant of record for the transaction, and it is the one that interacts with the client's accounts payable team. Your name does not appear on the invoice as the payee; instead, you are paid by PANORAMA after the client settles the invoice.
If the client requests a W-9 form, PANORAMA provides it directly. The W-9 certifies the US company's taxpayer identification number, which the client needs for their own tax reporting. This is standard practice for US businesses and helps them avoid backup withholding.
The client can be in any non-sanctioned country, and the invoice can be issued in any of eleven currencies. Even if the client pays in euros or pounds, the payment is converted and received by the US company, and then paid out to you in your local currency or a dollar stablecoin, depending on your preference.