The cross-border invoice problem
Your work is text. It travels by email or a shared document. That makes it easy for a US client to receive, and just as easy to pay late for. When the invoice is from a foreign entity, the client's accounts payable process may hesitate. They might ask for a W-9, which you cannot provide. They might prefer an ACH transfer, which requires a US bank account. The result is delay, and delay for a freelancer is unpaid time.
The specific problem for prompt engineers is that the deliverable is text. There is no complex file format, no large asset transfer, no physical product. The work is finished when the email is sent or the shared document is updated. That makes the client feel the work is done, and payment can wait. Meanwhile, you have already spent the hours. A late payment on a prompt library means your next project is delayed. The cross-border element compounds the problem: international wire transfers are slow and costly, and clients may use that as an excuse to push payment further out.
PANORAMA payments removes that hesitation by making the invoicing side entirely domestic for your client. The invoice is issued by a US company, so the client's AP team deals with a US entity, pays in dollars, and can request a W-9. The money arrives in a US bank account. What happens after that is our problem, not theirs.
How PANORAMA payments works
You register on the platform and verify your identity once. Then you describe the client and the work. There is no need to incorporate in the US or open a foreign bank account. PANORAMA payments acts as the merchant of record: a US company issues the invoice to your client, and that invoice can be in eleven currencies, including US dollars, euros, pounds sterling, Canadian and Australian dollars, and Swiss francs.
Your client does not have to be American. The payer can be a company in any country that is not under sanctions, or a private individual. Whoever they are, the payment is received by the US company. The client pays by ACH or wire transfer, in the invoiced currency, and they can request an IRS Form W-9 if their accounting team asks for one. That is the entirety of their interaction with PANORAMA payments.
The platform does not name the invoicing company on this page, but it is a US entity. That entity is the one that appears on the invoice your client receives. Your client's AP team will see a US company name, not yours. This is not a shell; it is the merchant of record that assumes the payment relationship with your client. You are its supplier, and it pays you after it receives funds from the client.
Your trade on the platform
As a prompt engineer, you hand over a prompt library, an evaluation set with scores, a system prompt that survives edge cases, or a style guide for generated output. US companies shipping AI features, agencies, and content operations teams buy this work. You normally bill tracked hours weekly or monthly, a fixed price for a defined piece of work, or the same amount every month for continuing work.
PANORAMA payments does not care how you bill. When you describe the work, you enter the invoice line as you would on any invoice: hours for evaluation scoring, a fixed price for a prompt library, or a monthly retainer for ongoing prompt tuning. The US company issues the invoice to your client with that description. The platform fee is deducted after the client pays, not before.
The evaluation set is a core deliverable for many prompt engineers. It contains prompts and the scores that show how well a model performed. That is often billed as a fixed price because the scope is clear. The system prompt that survives edge cases is more likely to be billed hourly because it involves iteration and testing. Whatever the arrangement, PANORAMA payments supports it. The invoice line you type is what the client sees, and there is no need to explain your business model to the platform.
Getting paid at home
After the client pays the US company, PANORAMA payments deducts one platform fee and pays you in your own country. The payout method depends on where you live: bank transfer, SWIFT, SEPA, Wise, a local account, or in dollar-denominated digital assets. There is no monthly subscription and nothing is charged before your client has paid.
Many prompt engineers receive payment in US dollars because their clients pay in dollars. If you live in a country where the local currency is different, you may want to receive the money in your own currency to avoid conversion fees from your bank. Depending on your location, PANORAMA payments can pay you in your local currency or in dollar-denominated digital assets. The choice is yours, and you can set it once and forget it. There is no need to negotiate exchange rates with the platform; the rate is applied at the time of payout, and the platform takes no additional margin beyond the stated fee.
You remain responsible for your own taxes at home. PANORAMA payments does not give tax advice and is not your employer. The platform is a payment intermediary, not a tax authority. You should keep your own records and report your income as required where you live.