DevelopmentQA Engineer

Get Paid for QA Work Without a US Company

A QA engineer outside the US sends a test plan, an automated suite, or a release sign-off to a client in the United States. The client pays a US company, not you directly, by ACH or wire in dollars. PANORAMA payments then transfers the money to you in your own country, after deducting one platform fee. The invoice is domestic for your client and payday is local for you.

Get Paid for QA Work Without a US Company

What this looks like for you

For QA engineers, PANORAMA payments turns a monthly testing retainer into a routine. You log hours, you report bugs, you sign off on releases. The platform issues the invoice to your client from a US company, so their accounts payable sees a domestic vendor with a W-9 if they ask. The client pays in dollars. You get paid in your own currency or in dollar-denominated digital assets, whichever works where you live. There is one fee, taken after the client pays, and no subscription. This is the missing link between your test suite and your bank account.

What your client receives

From
A US company, W-9 on request
Bill to
Your client, a company or a person
01Test automation maintenance and regression runs, monthly

An example line, not a real invoice. Your own wording, amounts and currency go on the document itself.

The moment after delivery

You have finished the sprint. The test plan is sent, the automation suite ran green, the release sign-off is in the client's inbox. Then the client's accounts payable team asks for a W-9 and a US bank account, because they pay domestic vendors by ACH. You are not a domestic vendor. You live somewhere else.

If you are testing for a US product team, an agency before a launch, or a company with a regression problem, this moment repeats every week or every month. Testing is often billed by the hour over long stretches, so the relationship is a recurring invoice for months, not one payment. Each invoice without a US entity means manual international wires, conversion fees, and delays that eat into the work you already finished.

How PANORAMA payments moves the money

You register with PANORAMA payments, verify your identity once, and describe the client and the work. The platform issues the invoice from a US company. Your client pays by ACH or wire to a US bank, in dollars. If they need a W-9, it is available on request. Their entire accounts payable process stays domestic.

The client does not have to be American. PANORAMA payments accepts payments on behalf of clients in any country that is not under sanctions, and the invoice can be issued in eleven currencies, including US dollars, euros, pounds sterling, Canadian and Australian dollars, and Swiss francs. Whoever pays, the money is received by the US company.

After the client pays, PANORAMA payments deducts one platform fee and pays you in your own country. Depending on where you live, you can receive the money by bank transfer, SWIFT, SEPA, Wise, a local account, or in dollar-denominated digital assets. There is no monthly subscription and nothing is charged before the client has paid.

Invoicing for QA work

What you hand over is specific: a test plan, an automated suite, bug reports with reproductions, a release sign-off. Who buys it: US product teams, agencies before a launch, companies with a regression problem. How it is normally billed: tracked hours invoiced weekly or monthly, a fixed monthly amount for continuing work, or a fixed price for a defined piece of work.

The payment problem for testing is not a one-time transfer. It is the long tail of hourly work. You may have a monthly invoice for a year, with the same client, the same hourly rate, the same scope changes. That is the relationship PANORAMA payments handles. Once your identity is verified, you can issue invoices for that client as often as the work requires, without setting up a new entity or a new bank account for each engagement.

What stays with you

You stay responsible for your own taxes at home. PANORAMA payments does not give tax advice and is not your employer. The platform moves the money from your client to you, minus one fee, and leaves the tax filing to you.

PANORAMA payments also does not promise anything about speed, approval, or the exact amount you will receive after conversion. The mechanics are fixed: a US company invoices your client, the client pays that company, and you get paid in your own country. Everything else, from client contracts to local tax obligations, remains yours.

How you get paid

  1. 1
    Register and verify once

    An identity document and a photograph. It is done once, and it has to be finished before the first payout rather than on the day you are waiting for money.

  2. 2
    Describe the client and the work

    Who they are, what was agreed, the amount and the currency. The client and their country are screened before anything is sent, so a payment is not refused after the work is delivered.

  3. 3
    The invoice goes out from a US company

    Your client receives an invoice from a United States supplier, with US banking details and IRS Form W-9 on request. They pay by ACH or wire, domestically.

  4. 4
    You are paid where you live

    One platform fee is deducted and the rest is sent to you by whichever route works in your country: bank transfer, SWIFT, SEPA, Wise, a local account, or dollar-denominated digital assets.

One platform fee of 10% is deducted when you are paid. No subscription, no signup fee, and nothing is charged until your client has paid.

Questions people in this trade ask

Do I need a US bank account or company to invoice US clients?

No. PANORAMA payments acts as the invoicing entity through a US company. You register, verify your identity once, and describe the client and work. The client pays that US company by ACH or wire. You receive the money in your own country by bank transfer, SWIFT, SEPA, Wise, a local account, or digital assets, depending on where you live.

What if my client is not in the United States but pays in dollars?

That works. PANORAMA payments accepts payments on behalf of clients in any country that is not under sanctions. The invoice can be issued in eleven currencies, including US dollars, euros, pounds sterling, Canadian dollars, Australian dollars, and Swiss francs. The money is received by the US company, and the client never has to send an international wire.

How does PANORAMA payments handle monthly testing retainers?

Once your identity is verified and the client and work are described, you can issue invoices as often as you need. For a typical QA engagement billed hourly and invoiced monthly, you submit the amount each month. There is no monthly subscription fee for you, and no charge until the client pays. One platform fee is deducted from each received payment.

Will PANORAMA payments help me with my local taxes?

No. You stay responsible for your own taxes at home. PANORAMA payments does not give tax advice and is not your employer. The platform only moves the money from your client to you after deducting one fee. You handle all tax reporting and payments in your own country.

Can my client get a W-9 form?

Yes. The invoice is issued by a US company, so a W-9 is available on request. That means your client's accounts payable treats the payment as a domestic US transaction, even though you are not based in the United States. Your client pays by ACH or wire to a US bank, in dollars.

Send your first invoice

Create an account, pass verification and raise an invoice. Nothing is charged until your client pays it.

Get started

You keep the client, the contract and the price. We handle the invoice and the payout.

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PANORAMA payments is a payment service. It is not an employer, not an agency and not a tax adviser, and nothing on this page is tax or legal advice.