Management and operationsERP consultant

Invoice US clients and get paid in your own country

You finished the configuration, handed over the process map, and your US client signed off. Now the money has to cross a border. PANORAMA payments lets you invoice through a US company, so your client pays a domestic bill by ACH, wire, or in their own currency, and you receive the funds in your home country. No US entity needed.

Invoice US clients and get paid in your own country

What this looks like for you

Your clients buy a defined outcome: a NetSuite or SAP rollout that fits how their company actually works. You sell the configuration decisions, the data migration rules, the training sessions, and the first month after go-live. When you invoice through PANORAMA, the purchase order your client raises can be made out to a US company, not to a foreign individual. That means their approval chain works the way it does for any domestic vendor. You track your hours or milestones exactly as you always have. The invoice line describes your work: process mapping for the order-to-cash cycle, configuration of custom fields, data mapping for legacy customers, end-user training after cutover. The client pays the US company, and PANORAMA forwards the money to you. The project stays on schedule, and the payments stop being a conversation.

What your client receives

From
A US company, W-9 on request
Bill to
Your client, a company or a person
01ERP system configuration, custom fields and workflows

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

Where your client can be

Your client does not have to be American. We accept payment on behalf of clients in any country that is not under sanctions — Canada, the United Kingdom, the European Union, the Gulf, Australia, Singapore, Japan and the rest — and the money is always received by our US company. Nothing else changes for you: the same fee, the same payout, the same documents.

The invoice can be issued in any of these currencies

  • USD$
  • EUR€
  • GBP£
  • AED
  • AUDA$
  • CADC$
  • CHF
  • PLNzł
  • ILS₪
  • HKDHK$
  • CNYCN¥

The border problem in ERP consulting

An ERP rollout runs for months, often on a day rate. The client raises a purchase order once, then approves your invoices as the project moves through configuration, data migration, training, and go-live support. Each invoice is a renewal of trust: the work is done, the hours are tracked, and the payment must arrive without friction.

When you bill from another country, that friction lands exactly where you do not want it. The client's accounts payable team sees a foreign individual, not a domestic vendor. They may need a new supplier form, a tax withholding decision, or a special approval step. None of that is your fault, but it slows the payment and can make a project manager think twice before adding you to the next phase.

What your client sees

When you use PANORAMA payments, the invoice your client receives comes from a US company. The work description is yours, with the project name, the phase, and the hours or milestone you agreed on. The client pays a domestic bill: ACH or wire to a US bank, in US dollars, with a W-9 available if their system asks for one.

The client does not become your employer, and you remain an independent consultant. You are simply billing through a merchant of record that handles the US side of the transaction. Your name and the nature of the work are on the invoice, but the legal entity issuing it is American.

How payment reaches you

After the client pays, PANORAMA deducts one platform fee and sends the remaining amount to you in your home country. The payout method depends on where you live: bank transfer, SEPA, SWIFT, Wise, a local account, or dollar-denominated digital assets in some regions. There is no subscription, and nothing is charged before the client pays.

The client can be a company or a private individual, and they can pay in any of eleven currencies. PANORAMA accepts payment on behalf of clients in any country that is not under sanctions. The money always lands in the US company's account first, then moves to you.

Taxes and your status

Your tax obligations do not change when you invoice through PANORAMA. You remain responsible for reporting your income and paying whatever taxes your home country requires. PANORAMA is not your employer, does not give tax advice, and does not make you a US person.

You will not receive a US bank account, a US tax number, an EIN, an ITIN, or a US address. The service does not create a US company for you. The US company that issues the invoice belongs to PANORAMA and acts as merchant of record on all transactions.

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 company or bank account to use this?

No. The invoice is issued by a US company that PANORAMA operates. You do not get a US entity, bank account, tax number, or address. Your client pays that US company, and PANORAMA pays you in your home country.

Can my client pay by ACH or wire?

Yes. Because the invoice comes from a US company with a US bank account, your client can pay by ACH or wire in US dollars. A W-9 is available if their accounts payable system requires one.

Does this change my tax situation at home?

No. Your tax residency and obligations remain exactly what they are. PANORAMA is not your employer and does not give tax advice. You report the income you receive according to your local rules.

What if my client wants to pay in euros or pounds?

That works. The invoice can be issued in any of eleven currencies, including US dollars, euros, pounds sterling, Canadian and Australian dollars, and Swiss francs. The money is still received by the US company, then paid out to you in your own country.

Is there a monthly fee or a cost before I get paid?

No. There is no subscription and nothing is charged until your client pays the invoice. After the client pays, PANORAMA deducts one platform fee and sends you the rest.

Does my client have to be in the United States?

No. We accept payment on behalf of clients in any country that is not under sanctions: Canada, the United Kingdom, the European Union, the Gulf, Australia, Singapore, Japan and others. The invoice can be issued in US dollars, euros, pounds sterling, Canadian and Australian dollars, Swiss francs, dirhams, złoty, shekels, Hong Kong dollars or yuan. The money is received by our US company either way, and your fee, your payout and your documents stay the same.

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.

Count what reaches you

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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.