How to invoice a US client without registering a company
You do not need a company to invoice a US client. A merchant of record issues the invoice in its own name, receives the payment into its own US banking, and settles the net amount to you. Your client receives an invoice from an American supplier with IRS Form W-9 available, and books it as an ordinary domestic expense. PANORAMA SYSTEMS FLORIDA LLC does exactly this: you register, pass identity verification, describe the work, and the invoice goes out from a Florida company.
PANORAMA SYSTEMS FLORIDA LLC · updated 2026-08-01
Step by step
- 1
Register and verify
Create an account and upload one identity document (or a company registration certificate if you work as a legal entity). Compliance reviews it, normally within one business day.
- 2
Describe the work
Enter the statement of work, the amount and the client company. The invoice is issued in the name of PANORAMA SYSTEMS FLORIDA LLC with US bank details.
- 3
Send it to your client
Email it directly from the workspace or share a payment link. Your client pays a domestic US supplier by ACH or wire.
- 4
Withdraw your balance
Your net amount is credited as the payment clears. Withdraw to a bank account, Wise or USDT, depending on what is available in your country.
Why your client cares about this
A US finance department paying a foreign individual has to collect a W-8BEN, consider withholding, and add a non-domestic vendor to its books. Paying a US company is none of that: one W-9, one domestic payment, one line in the ledger. That is usually the real reason a contract goes to someone else, and it has nothing to do with the quality of your work.
What you still have to do yourself
You certify your foreign status once at onboarding (Form W-8BEN for individuals, W-8BEN-E for entities), and you remain responsible for declaring and paying tax where you live. A merchant of record changes who your client pays, not who you owe. Nothing here is tax advice — if your situation is unusual, ask an accountant in your own country.
What it costs
One platform fee is deducted from each paid invoice — 10% by default, or an individually agreed rate. There is no monthly subscription, no per-seat charge and no separate FX markup.
Where this does not work
Some countries cannot be onboarded at all for sanctions and banking-compliance reasons, and a second group can invoice normally but is paid in USDT only, because correspondent banks do not reliably settle transfers there. Both lists are published before you register rather than discovered at payout time.
Frequently asked
Is this legal?+
Yes. A merchant of record is a standard commercial arrangement: the MoR contracts with the client, invoices in its own name, and subcontracts the delivery. It is the same structure app stores and SaaS resellers use. The contract chain is documented on both sides.
Whose name is on the invoice?+
PANORAMA SYSTEMS FLORIDA LLC. Your name appears in the statement of work and in the contract between you and us, not on the client-facing invoice.
How fast do I get paid?+
Your balance is credited as each payment clears, including partial payments. Withdrawal timing then depends on the rail: crypto settles in minutes, bank transfers in the normal one to three business days.
Can I keep my existing clients?+
Yes. The relationship stays yours; only the invoicing and settlement move. Most vendors switch one client first and move the rest once they have seen it work.
More guides
Read on the blog
Invoicing from your country
Bill your first US client
Registration and verification take about 15 minutes. The invoice goes out from PANORAMA SYSTEMS FLORIDA LLC as soon as compliance approves your documents.
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