Getting set up
Signing up is straightforward. You verify your identity once, which is required for the US company to issue invoices on your behalf. Then you describe the client and the work. You provide the client's name, the nature of the project, and the amount you are charging. No monthly subscription applies, and nothing is charged before the client has paid.
Once your account is active, you can create an invoice for each engagement. The platform asks for the details of the work: what you are delivering, whether it is a course built in an authoring tool, assessments and a curriculum, SCORM packages for an LMS, or facilitator materials. You also note how you are billing: a fixed price for the whole piece, a fixed price split across stages, or tracked hours invoiced weekly or monthly. This information appears on the invoice that the US company will issue.
The invoice and your client's payment
When you submit the work details, PANORAMA payments arranges for a US company to issue the invoice to your client. The invoice is denominated in US dollars or one of ten other currencies if your client prefers. The client receives an invoice from a US company, which means their accounts payable process is entirely domestic. They can pay by ACH or wire to a US bank account. No foreign bank details appear on the invoice.
If your client requests a W-9 form, one is available on request. That form confirms the US company's taxpayer identification number, which many US companies require before they will pay a vendor. The client does not need to sign up for any service or change their payment process. They are simply paying a US company, as they would any other US vendor. The client can be a company or a private individual, and they can be located in any country that is not under sanctions.
Receiving your money
After your client pays the invoice, the US company receives the funds. PANORAMA payments deducts one platform fee, which is the only charge. There is no subscription, no fee for setting up the invoice, and no charge before the client pays. The fee is deducted from the amount the client paid, and the remainder is sent to you.
You choose how to receive your money, depending on your country. Options include bank transfer, SWIFT, SEPA, Wise, a local account, or dollar-denominated digital assets. The method that is best for you may depend on your bank and currency. PANORAMA payments does not offer tax advice, and you remain responsible for your own taxes at home. The platform is not your employer and does not withhold any taxes for you.
Your responsibilities
When you use PANORAMA payments, you are an independent contractor. The US company that issues the invoice is not your employer, and the client is not hiring you as an employee. You are selling your work as an instructional designer, and the payment is for that work. You keep your own records and report your income to your local tax authority as required.
Because the invoice is issued by a US company, the client may treat it as a payment to a US vendor. That can make it easier for clients with purchase order systems and net terms, because they are paying a familiar type of entity. The platform fee is the cost of using this arrangement. You do not need to set up a US bank account or form a US company yourself.