The work you deliver, and the paperwork that comes with it
You build the infrastructure that makes reporting trustworthy: ingestion pipelines, warehouse models, and dashboards that answer questions without a manual. When a US company buys that work, they usually expect to pay in one of three ways: tracked hours, a fixed project price, or a monthly retainer. None of that is the hard part.
The hard part is what happens before the first invoice. Because your work touches customer data, the client sends a contract, a vendor onboarding form, and a security questionnaire. They want to know who they are paying, where the money goes, and whether their finance team can stay in a purely domestic process. For a freelancer outside the US, that is where deals slow down or stall.
Make your invoice look like a US invoice
PANORAMA payments lets you hand your client an invoice issued by a US company. The client pays a US bank by ACH or wire transfer, in US dollars, and if their accounts payable team asks for a W-9, one is available. There is no need for your client to set up international wires, deal with currency conversion, or add a foreign vendor to their system.
The client does not have to be an American company. PANORAMA accepts payment on behalf of clients in any country that is not under sanctions, and the invoice can be issued in eleven currencies including US dollars, euros, pounds sterling, Canadian dollars, Australian dollars, and Swiss francs. The payer can be a company or a private individual.
Get paid in your own country
After the client pays, PANORAMA deducts one platform fee and sends the money to you. There is no monthly subscription and nothing is charged before your client has paid. The payout method depends on your country: bank transfer, SWIFT, SEPA, Wise, a local account, or dollar-denominated digital assets. You choose what works for your situation.
The fee is a single deduction from the paid invoice. You see the amount before you request the payout, so there are no surprises. You remain responsible for your own taxes at home, and PANORAMA does not give tax advice. The platform is not your employer; you are still an independent data engineer selling to clients.
Contracts and security reviews, handled for the client
When you sign up, you verify your identity once and describe the client and the work. From then on, each invoice follows the same path: PANORAMA issues it as the US merchant of record, the client pays domestically, and you get paid after the fee. For the client, this means their procurement team sees a US vendor with a W-9 and a US bank; the security questionnaire is answered by the fact that the payment processor is a US entity.
This does not remove your own contractual obligations. You still sign your client's contract if they require one, and you still handle your own taxes. But the payment piece no longer depends on your ability to look like a US vendor on paper. PANORAMA sits between the client's finance department and your bank account, so the money moves without the friction that usually comes with cross-border freelancing.