DesignWeb Designer

Invoice US clients through a domestic company, get paid at home

You invoice through a US company, the client pays in dollars to a US bank account, and PANORAMA pays you in your own country. The platform handles the merchant of record role, so the client's accounts payable is entirely domestic. A platform fee is deducted from the payment; you remain responsible for your own taxes.

Invoice US clients through a domestic company, get paid at home

What this looks like for you

You design pages, hand off layouts, or build template kits. Your client loves the work, but the invoice waits because a developer has not yet approved the implementation. PANORAMA removes the finance team from that waiting game. The invoice comes from a US company, so it is treated as a normal domestic payable, not a cross-border exception. You get paid after the platform fee, in your own country, whatever the developer decides later.

What your client receives

From
A US company, W-9 on request
Bill to
Your client, a company or a person
01Responsive website design, delivered as Figma file and style guide

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

Why the finance team hesitates

When a design invoice arrives from another country, it lands on a finance desk built around local vendors. The reviewer sees a foreign bank account, no W-9, and a payment instruction that would require a manual wire. That is an exception, and exceptions need extra approval.

For a US company, paying a foreign contractor raises questions about withholding and reporting. The accounts payable team has a legal duty to get the details right. A mistake can create a tax liability larger than the invoice itself.

This hesitation is not about you. It is about a system that treats cross-border payments as a special case. And when your invoice is already waiting on a developer's sign-off, the finance queue becomes a second gate. That is the reality many web designers face.

Invoicing through a US company

You register once, verify your identity, and describe the client and the work. PANORAMA then issues the invoice through a US company. Your client receives a standard US invoice with US bank details and a W-9 on request. They pay by ACH or wire transfer in dollars, just like any other domestic supplier.

The client does not need to be American. The invoice can be issued to companies or individuals in any country that is not under sanctions, and in several 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.

For your client, this means no foreign wire, no currency conversion, no withholding question. The invoice becomes one more line in the batch of payments they already process every month. The finance team does not need to make a special exception for your web design delivery.

Getting paid at home

Once the client has paid, PANORAMA deducts its platform fee and pays you in your own country. Depending on where you are, the payment can arrive 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. You stay in control of which payout method you use, and you know the fee will be taken from the payment you receive.

This means you never have to chase an international wire or wonder when a foreign transfer will clear. Your payout is handled domestically, on your side.

Your taxes, your responsibility

PANORAMA payments is not your employer and does not give tax advice. You remain an independent contractor in your own country, and you are responsible for reporting your income and paying any taxes that apply where you live.

The invoice is issued by a US company, but that does not change your tax status at home. The money you receive from PANORAMA is your business income, and you handle it as you would any other payment from a client.

If you have questions about how to report this income, consult a local accountant. PANORAMA can provide payment records, but the interpretation is 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 to register a company in the US to invoice US clients?

No. You register with PANORAMA once, verify your identity, and describe your client and work. The invoice is issued by a US company, so you do not need a US entity or bank account. Your client pays a domestic US supplier, and you receive the payment in your own country.

Can my client pay by ACH instead of a wire transfer?

Yes. Because the invoice comes from a US company, your client can pay by ACH or wire transfer to a US bank, in dollars. This is the same process they use for any other US vendor, so there is no international payment instruction for their finance team to handle.

What if my client is not in the United States?

The client does not have to be American. The invoice can be issued to companies or individuals in any country that is not under sanctions, and in several currencies including US dollars, euros, pounds sterling, Canadian and Australian dollars, and Swiss francs. The money is still received by the US company.

Do I have to pay a monthly subscription?

No. There is no monthly fee. PANORAMA deducts a platform fee from each payment after your client has paid. Nothing is charged at registration or while an invoice is open. You only pay when you get paid.

Is PANORAMA my employer for tax purposes?

No. You remain an independent contractor. PANORAMA is not your employer and does not give tax advice. You are responsible for reporting your income and paying any taxes in your home country. The invoice is issued by a US company, but that does not change your tax status.

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.