How you get paid, step by step
Registration is simple and done once. You verify your identity, then describe the client and the work. There's no separate setup for each invoice; once the client is on file, you can generate invoices as needed.
When you issue an invoice, it comes from a US company. That means your client's accounts payable team is dealing with a domestic bill: a US bank account, US dollars, and a W-9 form if they ask for one. They pay by ACH or wire, the same way they pay any other American vendor.
The payer doesn't have to be an American company. PANORAMA accepts payment on behalf of clients in any country that isn't under sanctions. Invoices can be issued in eleven currencies, including US dollars, euros, pounds sterling, Canadian dollars, Australian dollars, and Swiss francs. But no matter who pays, the money lands with the US company first.
After the client pays, PANORAMA deducts one platform fee and sends the rest to you. You can receive it by bank transfer, SWIFT, SEPA, Wise, a local account, or dollar-denominated digital assets, depending on your country. There's no monthly subscription and nothing is charged before your client has paid.
What your client receives
Your client gets an invoice from a United States company. It looks like any other invoice they pay: a dollar amount, a due date, and a US bank account for payment. They can pay by ACH or wire, just as they would to a domestic supplier.
If their finance team needs a W-9 for their records, PANORAMA provides one on request. That's the form US businesses use to report payments to the IRS. It's a standard part of domestic invoicing, and it means your client doesn't have to deal with foreign tax forms or withholding.
The client doesn't need to create an account or learn a new system. They just pay the invoice. The money goes to the US company, and then PANORAMA handles the international part of the transaction, so your client never sees a cross-border payment.
Receiving your money
Once your client has paid, the money is yours, minus the platform fee. PANORAMA pays you in your own country, in your own currency if you prefer. You can choose bank transfer, SWIFT, SEPA, Wise, a local account, or dollar-denominated digital assets, depending on where you live and what works for you.
You don't pay a monthly fee to use PANORAMA. There is no charge until a client pays an invoice, and then the platform fee is deducted from that payment. You can see the fee before you send an invoice, so there are no surprises.
The platform doesn't hold your money or delay payment. Once the client's payment clears, your payout is processed according to the method you've selected. You can track everything from your dashboard.
You stay independent
PANORAMA is not your employer and it doesn't give tax advice. When you receive a payout, it's your responsibility to report that income according to the tax laws in your country. The platform doesn't withhold taxes for you, and it doesn't tell you what you owe.
This is a mechanical service: a US company issues the invoice and receives the payment, then passes the money to you after taking a fee. It doesn't change your status as an independent freelancer or business owner. You keep working with your clients directly, and PANORAMA handles the payment logistics.
If you have questions about how to handle your taxes, you should talk to an accountant who knows the rules where you live. PANORAMA can tell you how the payment process works, but not what your tax liability is.