What Your American Client Sees
When a US publisher or brand receives an invoice from a foreign illustrator, their finance team sees an international payment. They have to handle foreign bank details, currency conversion, and possibly withholding requirements. None of this is impossible, but it adds steps to a process that US companies like to keep routine.
Many accounts payable departments prefer to pay US suppliers. That preference is not a comment on your work. It is simply easier to pay a company with a US bank account, a W-9 on file, and a dollar invoice. The fewer questions a payment raises, the faster it moves through approval.
If you send an invoice from your own foreign bank account, the client may ask for additional forms, or they may delay payment while they sort out the details. That delay compounds the usual publishing timeline, where payment itself may already be scheduled for weeks or months after delivery.
How the Invoice Changes
PANORAMA payments issues the invoice from a US company. You still do the work, you still own the relationship with the client, but the paper they receive is a US invoice. It shows a dollar amount, a US bank account for payment, and can include a W-9 on request. The client's accounts payable process is entirely domestic.
The client does not need to be American. The invoice can be issued in eleven currencies, including US dollars, euros, pounds sterling, Canadian and Australian dollars, and Swiss francs. Whoever the payer is, the money is received by the same US company. The client simply pays an invoice that looks familiar to them.
You stay responsible for your own taxes at home. PANORAMA payments does not give tax advice and is not your employer. The platform handles the payment mechanics, not your tax obligations.
Payment Terms That Fit Illustration Work
Illustration is usually billed by the delivered unit: a full page, a cover, a character sheet. Or it is billed as a fixed price for a defined piece of work, sometimes split across stages. Those terms are between you and your client. PANORAMA payments does not change them. It only changes who collects the payment.
A specific problem in publishing is that payment is often made on publication, not on delivery. You finish the work, the book or article comes out later, and the invoice sits in the client's system until then. That gap is set by the client's contract, not by the payment rail. What PANORAMA payments can do is make the moment of payment itself frictionless. When the client is ready to pay, they pay a US company, and the money moves without international transfer delays.
There is no monthly subscription and nothing is charged before the client has paid. The platform deducts one fee from the payment and sends the rest to you.
Getting Paid at Home
After the client pays the US company, PANORAMA payments pays you in your own country. Depending on where you live, that can be a bank transfer, SWIFT, SEPA, Wise, a local account, or dollar-denominated digital assets. You choose the method that works for your banking setup.
You do not need a US bank account, a US address, or a US entity. The entire reason the service exists is so you can invoice like a US supplier without becoming one. You verify your identity once, describe the client and the work, and the invoice is issued.
The fee structure is simple: one platform fee per payment. No subscription, no hidden charges. You are not employed by PANORAMA payments, and no one will file US taxes on your behalf. You handle your own tax obligations at home.