After delivery
You have finished the work. The retrieval pipeline runs over the client's documents. The assistant is embedded in their product. Guardrails and logging are in place. The accuracy report is delivered.
Now the client's accounts payable department needs an invoice. They expect a US company on the invoice, with a W-9 available. When you are outside the United States, sending an invoice from your own name or a foreign entity can create friction. It may be flagged for extra review, delayed in approval, or rejected outright.
This is not about the quality of your work. It is about the shape of the paperwork. US organisations that work with confidential legal, medical, or support documents are especially careful. They sign contracts with companies, not individuals, because data access needs a clear corporate chain. Your invoice has to match that chain. Otherwise, the payment stalls after you have already done the work.
How PANORAMA payments works
PANORAMA payments puts a US company between you and your client. You register once, verify your identity, and describe the client and the work. When it is time to invoice, PANORAMA issues the invoice to your client from that US company. The client pays by ACH or wire in dollars to a US bank account. If the client needs a W-9 for their records, PANORAMA provides it. The client's accounts payable process stays entirely domestic.
Your client does not have to be in the United States. PANORAMA accepts payment from clients in any country that is not under sanctions. The invoice can be issued in one of eleven currencies, including US dollars, euros, pounds sterling, Canadian dollars, Australian dollars, and Swiss francs. The money is received by the US company regardless of the payer's location or currency.
After the client pays, PANORAMA deducts one platform fee and sends the rest to you. You choose how to receive it: bank transfer, SWIFT, SEPA, Wise, a local account, or dollar-denominated digital assets, depending on your country. There is no monthly subscription and no charge before the client has paid. You stay responsible for your own taxes.
Billing for retrieval work
As an LLM application developer, your contracts are usually fixed price for a defined piece of work, fixed price split across stages, or a monthly amount for continuing work. The work itself often involves a client's confidential documents: legal files, medical records, support tickets, internal knowledge bases. That is why your client signs with a company, not a person. Your invoice has to look like it comes from a company too. PANORAMA makes that happen without you setting up a US entity.
When you describe the work on the invoice line, you can be specific: retrieval pipeline over client documents, embedded AI assistant with guardrails, accuracy report for RAG system. The client sees a professional invoice that matches their procurement standards. You do not have to explain why a foreign freelancer is sending them a bill.
PANORAMA does not touch your documents or get involved in the technical work. It only handles the invoicing and payment collection. You keep the client relationship, the code, and the ongoing support if you have a retainer.
Getting paid at home
Once the client pays the US company, PANORAMA sends your money to you in the way that works for your country. You might choose a direct bank transfer in your local currency, an international SWIFT payment, a SEPA transfer if you are in Europe, a Wise payout, or a local account. Some countries also allow dollar-denominated digital assets. You pick the method when you set up your payout.
The platform fee is deducted once, so you know the net amount before you receive it. No hidden charges, no monthly fee. If the client has not paid, you owe nothing. The only requirement is that you have verified your identity with PANORAMA, which you do once during registration.
You stay the owner of your work and your business. PANORAMA is not your employer and gives no tax advice. You report your income and pay taxes according to the rules where you live. The platform simply moves the money from a US client to you without the paperwork friction.