From signup to settlement
Sign up and verify your identity once. Describe the client and the work you will do for them. PANORAMA payments uses this to prepare the invoice. The process is straightforward and you only do the verification one time.
The invoice goes out to your client in your name, but issued by a US company. Your client sees a normal US invoice with a US bank account for payment. They pay in dollars by ACH or wire, just like they would pay any American vendor.
When the payment arrives, PANORAMA deducts one platform fee and sends the rest to you. You choose how to receive the money: bank transfer, SWIFT, SEPA, Wise, a local account, or dollar-denominated digital assets, depending on your country. Nothing is charged before your client has paid.
What your client receives
Your client receives an invoice from a US company, not from a foreign entity. That means their accounts payable process is entirely domestic. They can pay with ACH or wire transfer to a US bank, in US dollars, with no cross-border friction.
If your client asks for a W-9 form, PANORAMA payments can provide one. The W-9 is the standard IRS form that US companies give to the businesses they pay. It shows that the invoicing company is a US taxpayer, so your client can treat the payment like any other vendor expense.
The client does not have to be in the United States. PANORAMA payments accepts payment from clients in any country that is not under sanctions. The invoice can be issued in multiple currencies, including US dollars, euros, pounds sterling, Canadian dollars, Australian dollars, and Swiss francs. The money is always received by the US company.
Getting paid as a growth marketer
Growth marketing work often looks like a fractional executive role. You might be running experiments, rebuilding funnels, or scaling channels. That kind of engagement is usually billed as a monthly retainer, a fixed project fee, or tracked hours. PANORAMA payments handles all of these billing arrangements without changing how you work with your client.
When the client pays, you get your money in your own country. The platform deducts one fee, which is shown to you before you confirm the invoice. There is no monthly subscription and no charge until your client has actually paid. You stay in control of the payout method.
Because the invoice comes from a US company, your client can treat you like a regular vendor instead of trying to classify you as an employee or a contractor overseas. That solves the payment problem specific to this trade: fractional executives are paid like vendors or not at all.
Billing and tax mechanics
You are responsible for your own taxes in your home country. PANORAMA payments does not give tax advice and is not your employer. The platform simply acts as the merchant of record for the transaction, so the payment is recorded as business income to you, not as salary.
When you describe the work on the invoice, use clear line items that match what you actually delivered. For a growth marketer, that might be an experiment backlog, channel test results, a rebuilt funnel, or a dashboard the founder reads. The invoice line is up to you, as long as it describes the work honestly.
The client pays the invoice in full, and then PANORAMA pays you. The fee is taken from the payment before it reaches you, so you never have to top up an account or pay a subscription. It is a single, transparent charge on each paid invoice.