Payment After Delivery
You have delivered the working prototype. The client has it running. Now the invoice needs to be paid, and the money has to reach you. For a US client, paying an international freelancer can involve extra steps. Their accounts payable process is built around US companies: a domestic bank transfer, a W-9 on file, an invoice in dollars.
That delay is not the client's fault and not yours. It is the border between two payment systems. You are selling speed: a working piece of software delivered in days, not months. A payment method that takes two weeks to clear undoes the thing you just delivered. PANORAMA payments exists so the invoice you send is one your client already knows how to pay.
How PANORAMA Payments Works
You register and verify your identity once. Then you describe the client and the work. PANORAMA payments issues the invoice to your client from a US company. The invoice can be in US dollars, euros, pounds sterling, Canadian or Australian dollars, Swiss francs, or one of eleven currencies total. The client pays the US company directly by ACH or wire, in dollars, to a US bank.
Once the US company receives the payment, PANORAMA payments deducts one platform fee and pays you in your own country. You choose the payout method: bank transfer, SWIFT, SEPA, Wise, a local account, or, in some countries, dollar-denominated digital assets. There is no monthly subscription and nothing is charged before the client has paid.
Invoicing for AI-Assisted Development
As an AI-assisted developer, you are selling a working prototype in days, an internal tool, an MVP a founder can show, a codebase somebody else can maintain. Your clients are US founders in a hurry, operations teams building their own tools, agencies pitching quickly. The work is billed as a fixed price for a defined piece of work, tracked hours invoiced weekly or monthly, or a fixed price split across stages.
The payment problem in this trade is specific: the value you provide is speed. A payment method that takes two weeks to clear undoes the thing being sold. When a client pays through PANORAMA payments, they use the same payment rails they use for every US vendor. That means the money starts moving sooner, and you get paid without having to explain international wire details.
Receiving Your Money
When the payment reaches you, it can arrive by the method you choose. Depending on your country, that might be a local bank transfer, SWIFT, SEPA, through Wise, or as dollar-denominated digital assets. The platform fee is deducted once, before the payment is sent to you. There is no fee to create an account or to send an invoice.
You can invoice clients in the currency they prefer, but your payout is always in your own country's way of receiving money. You do not have to open a US bank account or incorporate a company in the United States. PANORAMA payments is the merchant of record for the transaction. The client's paperwork is domestic. Yours is whatever you need at home.