Why route an invoice through a US company at all?
Many US accounts-payable teams refuse to pay overseas freelancers without a US entity or W-9. Panorama solves that by giving your client a domestic invoice from a Florida LLC. The trade-off is you’ll pay a service fee and add a step between client payment and your own. It’s not a magic fix—if your client already pays foreign vendors happily, you don’t need this.
What this doesn’t fix: your tax filings in Australia, GST obligations, or currency risk. Panorama doesn’t employ you, so no US benefits, and it won’t give tax advice. The service is narrow: it makes your invoice look local to US clients who require that.
How payouts reach you in Perth
You choose your payout method: Wise, SWIFT, AUD bank transfer, or USDT. Wise and AUD transfers land in Australian dollars; SWIFT can too but often involves intermediary banks. USDT is a crypto option where you manage off-ramp later.
After the client pays Panorama, we deduct our fee and send the remainder. We don’t front money, so timing depends on the client’s payment terms and your selected rail. Wise is typically same-day once we process, SWIFT takes longer, and local bank transfers settle in 1–3 business days. These are typical—not guaranteed.
What you’re still on the hook for
You remain an independent contractor. Panorama won’t withhold Australian tax, pay super, or file any tax forms on your behalf. You invoice us (or we create one on your behalf) and report that income yourself.
If a client demands specific contract terms or IP assignments, you handle that directly with the client. Panorama doesn’t review or enforce contracts. We’re a payment rail, not your legal entity.
AUD, crypto, and the exchange rate you actually get
When you opt for AUD payout, we convert your USD at a rate that includes a spread. It won’t be the mid-market rate—that’s the cost of convenient domestic settlement. Wise often has better rates than SWIFT or bank transfers, but it’s still not free.
USDT payouts skip our conversion, but you take crypto volatility and your own off-ramp fees. Currency timing matters if you bill in USD and spend AUD. You can’t pick the exact conversion moment; it happens when we process the payout.