Where the money sits in an iOS project
You hand over a build on TestFlight, push an App Store submission, or deliver a Swift codebase with watch and iPad targets. Billing is usually tracked hours invoiced weekly or monthly, or a fixed price for a defined piece of work, sometimes split across stages. The work is done, but the client's review process can stretch for weeks. Approval often comes long after the last commit.
That gap between shipping and sign-off is where invoices wait. You might have delivered everything, but your invoice sits while the client tests, requests changes, and eventually agrees the work is finished. Getting paid on time should not depend on a review cycle you cannot control.
What a US client expects from an invoice
American companies have a routine for paying contractors. They pay in dollars, from a US bank account, usually by ACH or wire. They may ask for a W-9 form. When you are outside the US, you cannot provide that form yourself, and your bank details are foreign. That friction can delay payment even after the work is approved.
PANORAMA payments fixes that by issuing the invoice from a US company. Your client sees a domestic invoice, pays in dollars to a US bank, and can get a W-9 on request. The invoice can be issued in US dollars, euros, pounds sterling, Canadian or Australian dollars, Swiss francs, or another supported currency, but the money is received by the US company on your behalf. The client does not have to be American; any client in a non-sanctioned country can pay this way.
From registration to payment in your own country
To start, you register with PANORAMA payments and verify your identity once. Then you describe the client and the work for each invoice. The invoice is issued to the client by a US company, so your client's accounts payable process stays entirely domestic. They pay the US company by ACH or wire, in dollars, and that company receives the money.
PANORAMA payments deducts one platform fee. No subscription, nothing charged before the client pays. The rest is sent to you in your country: bank transfer, SWIFT, SEPA, Wise, local account, or dollar-denominated digital assets. You are not an employee; taxes stay yours.
Your tax obligations remain yours
PANORAMA payments does not give tax advice. You are responsible for reporting your income and paying any taxes due in your country of residence. The platform is not your employer, and the US company that issues the invoice is not hiring you; it is acting as a merchant of record for the transaction.
This setup keeps the client relationship simple on their side, while you maintain full control of your own business. You decide how to handle your tax filings, whether you are a sole trader, a limited company, or something else. The platform simply moves the money and provides the invoice documentation.