How it works

Your client pays an American company. You get the money, wherever you are.

The invoice goes out from a US LLC with a W-9 their accounting can file. They pay by ordinary ACH or wire. You withdraw by bank transfer, Wise or USDT. One fee from 10%, and the paperwork comes with it.

1You issue

Describe the work and the amount. The invoice leaves in your client’s language with US bank details on it.

2They pay

A domestic payment inside their own banking. No foreign wire, no W-8BEN conversation, no questions from their finance team.

3You withdraw

Bank transfer, Wise, or USDT on TRC-20, ERC-20, TON and Solana. You choose the route before the first payout.

Working across the United States and worldwide:🇺🇸USA🇨🇦Canada🇪🇺EU
How it works
PANORAMA payments · a US company invoice, paid by ordinary ACH or wire
How it works

Three steps between finishing the work and holding the money

Nothing in this depends on where you live. Your client makes an ordinary payment inside their own country, and everything after that is our job.

1

You issue the invoice

Describe the work and the amount. The invoice goes out under an American company, with US bank details on it and a W-9 whenever the client asks for one.

2

Your client pays at home

ACH or a domestic wire, from their bank to a bank in the same country. No international transfer, no unfamiliar counterparty, no exception for their finance team to approve.

3

You take the money out

The amount reaches your balance less one fee. Withdraw it by bank transfer, Wise, SEPA in euro, or USDT on the network you prefer.

Diagram: an invoice from a US company, a payment by ACH or wire through a US bank, and a payout to a bank account, to Wise or in USDT.
Payout routes

Four ways out, and you pick which one

Choose the route before your first payout and change it whenever you like. Which routes are open to you depends on your country, and you see the answer during registration rather than after it.

Diagram: a balance branching into four payout routes: bank transfer, Wise, SEPA in euro, and USDT on TRC-20, ERC-20, TON and Solana.

USDT and Tether, said plainly

USDT is a token issued by Tether and pegged to the US dollar: one USDT is meant to be worth one dollar. It travels over TRC-20, ERC-20, TON and Solana, arrives in minutes, and waits neither for a banking day nor for the weekend to end. For a lot of people it is the shortest route between an American client and a local exchange.

It is not a bank deposit and no state insures it. If it does not suit you, or your country makes it awkward, take a bank transfer or Wise instead. Nothing about the invoice changes.

USDTTetherTRC-20ERC-20TONSolana
Diagram: one USDT equals one US dollar, sent over TRC-20, ERC-20, TON or Solana, settling in minutes.
Cost and timing

One fee, and a schedule you can plan around

One fee from 10%

It covers issuing the invoice, the documents that go with it, and the payout itself. No monthly charge, nothing for keeping the account open, and nothing at all for an invoice that never gets paid.

Diagram: a bar showing what the client pays, almost all of which is yours, next to one small platform fee.

About a week, end to end

A wire usually lands the same day and ACH within one to three business days. The money joins your balance on the day it clears. A bank payout takes one to two days after that, USDT minutes.

Timeline: invoice sent on day zero, the client pays, the balance is credited the same day, payout in one to two days by bank or in minutes in USDT.
Why through an American company

The paperwork is half the product

Instead of invoicing them yourself

A direct foreign invoice means a W-8BEN, an international transfer, correspondent bank charges, and an accounts payable team making an exception for one supplier. Through us it is a domestic payment they have made a thousand times.

Comparison: a direct foreign invoice broken up by W-8BEN, cross-border fees and delays, against one clean domestic payment through a US merchant of record.

What their accounting receives

An invoice from an American supplier, a W-9 on request, a service agreement and a receipt. Everything they need to close the month without writing to you.

Diagram: four documents, an invoice, a W-9, a contract and a receipt.

Send your first invoice today

Registration takes minutes and costs nothing. You only pay when an invoice gets paid.

Have a US client and a signed order?

We are ready to take you on as a subcontractor: the client stays yours, and our engineers deliver the work under your contract.

Engineering

When a client needs the team, not just the invoice

Vendors are vetted before they bill through the platform, and the same bench takes projects end to end. Six areas, each with a page of its own.

A vetted engineering bench

Alongside our in-house engineers we bring in independent developers and IT companies verified on our own platform. Every specialist is identity-checked and contracted through PANORAMA SYSTEMS FLORIDA LLC, so you sign with one American company and we answer for the result.

Have a product or platform in mind?

Tell us what you are building and our engineers will scope it with you.