The border crossing after the delivery
You deliver translated text, subtitles, or localised product strings. Then you send an invoice and wait. If your client is in the United States, they may ask for a W-9 before they can pay you at all. Their accounts payable process expects a domestic payment: ACH or wire to a US bank, in dollars. From outside the US, that means an international transfer with a fixed fee that comes out of your invoice.
For a translator billing per word, a fixed banking fee is a meaningful share of a small invoice. It is not a rounding error. It is a cost that changes the maths of taking on a project. The trade is priced in small units, and the payment rail was not built for small units.
Invoicing through a US company
You register with PANORAMA payments and verify your identity once. For each invoice, you describe the client and the work. The invoice is issued by a US company, so your client's payment stays domestic. They pay by ACH or wire to a US bank, in dollars, and a W-9 is available if their finance team asks for it.
The client does not have to be American. Payment is accepted 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 the payer is, the money is received by the US company.
Billing in the units you actually use
Translation and localisation work is billed per delivered unit, per fixed project, or per tracked hour. PANORAMA payments does not force you to convert that into anything else. You describe the work in your own terms: translated and reviewed text, localised product strings, subtitles, a glossary and style guide.
Your client gets a clear invoice, and you get paid in your own country by bank transfer, SWIFT, SEPA, Wise, a local account, or dollar-denominated digital assets, depending on where you live. The platform deducts one fee, and nothing is charged before the client has paid.
What you keep control of
Taxes are yours. PANORAMA payments is not your employer and gives no tax advice. You are a freelancer or small studio, and you stay that way. The platform does not ask for a monthly subscription.
You only pay when money moves. That matters when your income is made of many small payments across clients. The fee is a share, not a fixed charge, so it scales with the invoice.
