Why route an invoice through a US company at all?
Because US accounts payable departments are built to pay US entities. If you send an invoice from an Irish bank account, the client’s AP team often needs to set up international wire templates, collect W-8BEN forms, and figure out withholding. That friction can delay payments by weeks—or make clients avoid working with you altogether.
PANORAMA SYSTEMS lets the client pay a US company they already know how to handle. It’s not a tax strategy and it won’t turn you into an employee. It’s a paperwork shortcut. The trade-off is the service fee that comes out of each payment. That fee funds the convenience of sending a domestic invoice instead of wrestling with cross-border banking.
How it works once you’re set up
You and your client agree on a project. PANORAMA SYSTEMS issues an invoice to the client on your behalf, or you can issue it under the PANORAMA name. The client pays PANORAMA in USD. Once the funds clear, PANORAMA pays you, minus the agreed fee.
Payouts can settle over Wise, SWIFT, or a local EUR bank transfer. If you prefer crypto, USDT is an option. You choose the method that matches how you already move money. There is no mandatory account type and no minimum balance you need to maintain.
What this does not solve
You remain responsible for your own tax obligations. PANORAMA SYSTEMS does not withhold Irish taxes, file returns with Revenue, or give any kind of tax advice. You are not an employee and nothing here creates an employment relationship.
It also does not guarantee that a client will pay on time—or at all. A domestic invoice can reduce internal friction, but it cannot force a reluctant client’s hand. If you already have contracts and trust with a US company, this removes one layer of payment headache. It does not replace clear commercial terms.
Relevance for software freelancers in Galway
Galway has a dense cluster of medical-device software and university research spin-outs. Many developers here already work with US companies, whether directly or through the IDA multinationals on the east side of the city. The time zone works in your favour: afternoons in Galway overlap with US East Coast mornings. Calls happen during your working day without brutal early starts.
English is the default in contracts and conversations, so no translation layer slows things down. If you are delivering code, documentation, or consulting to a US firm, the main barrier has always been the payment rail—not the work itself.