Why a US Company for Your Invoices?
If your US client has ever stalled when you mentioned a foreign tax ID, you know the problem isn't your skill—it's their purchasing department. Many US firms keep domestic-only vendor lists to avoid withholding paperwork and unfamiliar bank formats. Putting a Florida LLC on the invoice removes that objection.
What stays the same is your tax situation. You're still a contractor, not an employee. You file and pay your own taxes in New Zealand. PANORAMA doesn't advise on tax or act as an employer.
This setup is a paperwork fix, not a tax fix. If crossing that administrative barrier wins you work, the fee may be worth it. If the client doesn't care about foreign invoices, you probably don't need it.
What It Costs and What You Get
The service charges a percentage of each invoice after the client pays. There's no setup cost or ongoing commitment. In exchange, you get a US entity to bill through and a choice of payout routes: NZD bank transfer, Wise, SWIFT, or USDT.
Nothing else is included. No tax advice, no contract review, no insurance, no benefits. You are still the one delivering work and managing the client relationship. PANORAMA's role begins and ends with invoicing and payment distribution.
Whether the fee makes sense depends on your project margins and the client's insistence on a domestic vendor. Some freelancers value it enough to use it regularly; others treat it as a last resort.
How Payouts Work in Practice
When the client pays PANORAMA SYSTEMS, you request a payout. Funds can arrive as NZD in your local bank account, through Wise, via SWIFT, or as USDT to a wallet. The method is yours to pick based on speed and cost.
Timing depends entirely on your client. If they pay on net-45 terms, that's how long you wait. PANORAMA doesn't fund payouts in advance or chase late payments. You collect your money when your client releases theirs.
A local NZD transfer may bypass some conversion fees, but compare rates. SWIFT and Wise carry their own costs. USDT moves quickly on-chain but adds cryptocurrency exposure. Choose what works for your circumstances.
What This Setup Doesn't Do
This is not an employer-of-record service. It doesn't make you a US employee, doesn't provide healthcare or KiwiSaver, and doesn't handle withholding for any country. Your contracts remain directly between you and the client.
Tax compliance in New Zealand is entirely on you. GST obligations, income tax filings, and any local business registrations are unrelated to PANORAMA's service. Get professional advice if you're unsure.
If a client disputes your deliverable, you deal with it. PANORAMA appears only on the invoice and the payment flow. It removes a specific administrative hurdle for the US side, nothing more. If you need a broader compliance wrapper, this isn't it.