DevelopmentGame Developer

A payment route for game developers working with US clients

A game developer outside the United States can invoice an American client through PANORAMA payments. A US company issues the invoice, so the client pays a domestic entity by ACH or wire in dollars, and a W-9 is available. PANORAMA deducts a platform fee and pays you in your own country by bank transfer, SWIFT, SEPA, Wise, or dollar-denominated digital assets.

A payment route for game developers working with US clients

What this looks like for you

You deliver playable builds, gameplay systems, ports and prototypes. Studio money arrives in milestones tied to builds, and a missed milestone moves your payment date by a month. PANORAMA cannot stop that, because it depends on the studio's production schedule. What it does is make the invoice itself invisible to the studio's accounts payable. When the milestone is finally approved, the client pays a US company by ACH, and you get paid in your own country. No chasing international wire details, no explaining your bank address. You keep building, the payment runs in the background.

What your client receives

From
A US company, W-9 on request
Bill to
Your client, a company or a person
01Gameplay systems for playable build, fixed price

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

The objection and the catch

American game studios like a simple accounts payable process. You know this if you have ever sent an invoice and waited while someone in finance figured out how to wire money to a bank in another country. PANORAMA exists because that friction is real.

The catch is what it does not do. It does not make a client pay on time, and it does not solve your tax obligations. You remain responsible for reporting and paying taxes wherever you live. PANORAMA is not your employer and gives no tax advice. It is a billing and payment layer between you and a US client.

How a payment runs

First you register and verify your identity once. You describe the client and the work, then PANORAMA issues an invoice from a US company. The client receives a standard US invoice, pays by ACH or wire in dollars, and can request a W-9 if their finance team needs it.

PANORAMA receives the payment, deducts a platform fee, and pays you in your home country. Depending on where you live, that can be a local bank transfer, SWIFT, SEPA, Wise, or dollar-denominated digital assets. There is no monthly subscription and nothing is charged before the client pays.

The client does not have to be American. PANORAMA accepts payment on behalf of clients in any country that is not under sanctions, and the invoice can be issued in several currencies, including US dollars, euros, pounds sterling, Canadian and Australian dollars and Swiss francs. The payer can be a company or a private individual.

Registering as a game developer

Registration asks for identity verification and details of the client and work. If you have been paid late more than once, you will look for the catch here. The catch is that PANORAMA does not chase your client for you, and it does not advance you money. You still wait for the client to pay.

What changes is that the money arrives through a US entity, which can make the payment less likely to be delayed by internal finance processes. When you send an invoice from your own name in another country, it can sit in a queue. An invoice from a US company with a W-9 tends to move through the system without the same questions.

What PANORAMA does not do

PANORAMA is not an employer, not a tax adviser, and not a collections agency. It will not tell you how to handle your taxes, and it will not guarantee that a client pays on time. It simply moves money from a US client to you in your home country after the client pays.

If a client misses a milestone, the payment date still moves. That is a fact of studio cash flow, and no payment layer changes it. But when the money finally arrives, it arrives without you having to walk the client's finance team through an international transfer.

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

Can I invoice a US game studio without having a US company?

Yes. PANORAMA issues the invoice from a US company, so the studio pays a domestic entity by ACH or wire in dollars. You do not need to form a US entity. After the payment arrives, PANORAMA deducts a platform fee and pays you in your home country by bank transfer, SWIFT, SEPA, Wise, or dollar-denominated digital assets.

Does my client need to sign up or change how they pay?

No. The client receives a standard US invoice and pays it like any other vendor. They can request a W-9 if their accounts payable process requires it. There is no portal for them to log into and no extra steps beyond paying the invoice.

What if the studio wants a W-9 before paying?

PANORAMA can provide a W-9 from the US company that issues the invoice. You do not send your own tax form, because you are not the one being paid by the studio. The W-9 belongs to the US company, which simplifies the studio's compliance.

How do I actually receive the money in my own country?

Once the client pays the US company, PANORAMA deducts a single platform fee and sends you the remainder. The payout method depends on your country: local bank transfer, SWIFT, SEPA, Wise, or dollar-denominated digital assets. You choose what works for you during registration.

Does PANORAMA handle my taxes or act as my employer?

No. You remain an independent contractor and are responsible for your own taxes at home. PANORAMA does not give tax advice and is not your employer, agent, or payroll provider. It only moves money from the client to you after the client has paid.

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.

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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.