The work you deliver and how you bill it
You build automations that run a business. A Zapier workflow that moves leads from a form to a CRM, a Make.com scenario that syncs inventory, an n8n instance that ties internal tools together, an Airtable base that becomes the operations hub. Your deliverable is a working system plus the documentation the team needs to run it.
US clients buy this work in three usual ways. A fixed price for a defined piece of automation, a monthly amount for continuing maintenance and improvements, or tracked hours invoiced at the end of the week or month. The invoices are often small, sometimes under a few hundred dollars, and they repeat. That repetition is exactly where the payment friction lives.
The cost of getting paid from abroad
When a client abroad pays your invoice, the money crosses a border. The bank handling the international transfer takes a fee, and the exchange rate marks up the currency conversion. For a large contract, that cost is a rounding error. For a thousand-dollar automation, it is a visible percentage. For a monthly retainer of a few hundred dollars, it recurs every single month.
Your US client's accounts payable team also has a process built for domestic vendors. They expect a US bank account, a dollar amount, and a W-9 when they ask for one. An invoice from a foreign entity can slow that process down. None of this is anyone's fault, it is just the reality of paying across borders.
How PANORAMA payments changes the invoice
PANORAMA payments lets you invoice through a US company without setting one up yourself. You register once, verify your identity, and describe the client and the work. The invoice we issue is from a US company, in US dollars or another currency, and your client pays it like any domestic bill: ACH, wire, to a US bank account. A W-9 is available on request, so their procurement file stays complete.
You do not need to form an entity, open a US bank account, or handle US tax withholding. The client does not have to be American, by the way. The invoice can go to a company or an individual in any country that is not under sanctions, and it can be issued in eleven currencies. The money is always received by the US company.
What you get in your local account
After the client pays, we deduct one platform fee and send the rest to you in your own country. The payment method depends on where you live: bank transfer, SWIFT, SEPA, Wise, a local account, or dollar-denominated digital assets. There is no monthly subscription and nothing is charged before the client has paid.
You stay responsible for your own taxes at home. PANORAMA payments does not give tax advice and is not your employer. You are a freelance no-code developer who found a smoother way to invoice US clients.