Pavo in Australia

Last updated: October 25, 2026

What this page is. A plain-English summary of the terms that apply to a business in Australia that uses Pavo. It is not itself a contract. The binding text is in the three documents linked below: Terms of Service, Section 25 (Australia), Privacy Policy, Section 22 (Australia — Privacy Act 1988) and Data Processing Agreement, Section 8 (International Data Transfers). Where this page and those documents differ, the documents govern.
Status. Pavo is not yet open to new Australian businesses. These terms are published ahead of the opening so that sellers can read them before they sign up. When you create an Australian account you will be asked to agree to the Terms of Service and the Privacy Policy, including the Australian sections, before you can use the Service.

On this page

  1. Who you are dealing with
  2. What Pavo costs in Australia
  3. Card surcharges
  4. Payouts
  5. GST and tax forms
  6. Law, courts and complaints
  7. Your data and your customers’ data
  8. The documents

1. Who you are dealing with

Pavo is software made by Emmber, Inc., a Delaware corporation in the United States. Emmber has no office or company in Australia. Your contract for the software is with Emmber, Inc., for business use only; the Australian Consumer Law’s guarantees and its rules on unfair terms in small business contracts still protect you, and the Terms are written to respect them (Terms, Sections 25.1 and 25.8).

The card payments you take are processed and settled by Stripe Payments Australia Pty Ltd (ABN 66 160 180 343), which holds Australian Financial Services Licence 500105. You open your own Stripe account when you set up payments, under Stripe’s own agreement with you. Pavo holds no licence, is not registered with ASIC, APRA or AUSTRAC, and never holds your money: it sits in your Stripe account until Stripe pays it out to your bank. Australia is changing how payment providers are licensed; if the law comes to require Pavo to be licensed for its software, Pavo will tell you and may change or withdraw the Service in Australia on 30 days’ notice (Terms, Section 25.2).

2. What Pavo costs in Australia

ItemPrice
Card payment by pay link, any card2.9% + A$0.30, Stripe’s processing included; no other per-payment fee
Tap to PayNot offered in Australia yet
Monthly feeNone on the Free plan
Standard payout to your Australian bank accountFree
Instant payoutNot offered in Australia
RefundsYou refund the customer in full; the Pavo fee on the original payment is not returned

Everything is in Australian dollars. Pavo gives at least 30 days’ written notice before changing the price, and you can close your account before a change takes effect (Terms, Section 25.3).

3. Card surcharges

Since 1 October 2026 the eftpos, Mastercard and Visa networks no longer allow surcharges in Australia. Pavo never adds a card fee or surcharge to a customer’s payment, and the customer card fee that Pavo may later offer US sellers will never apply to an Australian seller. You must not add one through the Service either; build your payment costs into your prices (Terms, Section 25.4).

4. Payouts

Stripe pays your balance out to your Australian bank account. A new seller’s first payouts are delayed while Pavo and Stripe review early activity. If refunds or disputes leave your Stripe balance negative, Stripe can debit your bank account for the difference (Terms, Sections 25.7 and 5.9).

5. GST and tax forms

If you give Pavo your ABN and confirm you are GST-registered and use Pavo for your business, Pavo charges no GST on its fee. If you are not GST-registered, the fee and any plan price include GST once Pavo has to be registered in Australia, and your receipt shows the GST. You handle GST on your own sales (Terms, Section 25.5).

Pavo does not file the US Form 1099-K for Australian sellers and does not report your income to the ATO. Because Emmber is a US company, it may ask you to confirm that your business is not a US person on IRS Form W-8BEN (sole trader) or W-8BEN-E (company) (Terms, Section 25.6).

6. Law, courts and complaints

For Australian sellers the Terms are governed by the law of New South Wales, and the New South Wales courts and the Federal Court of Australia decide disputes. The US arbitration clause, class action waiver and jury waiver do not apply to you. Either side can end the relationship; Pavo gives 30 days’ notice when it ends it for convenience (Terms, Sections 25.9 and 25.10).

Complaints about Pavo go to [email protected]; Pavo acknowledges them within five business days and aims to answer within 15. Complaints about Stripe’s payment services go to Stripe and may then go to the Australian Financial Complaints Authority, as Stripe’s Financial Services Guide provides (Terms, Section 25.15).

7. Your data and your customers’ data

The Privacy Act 1988 and the Australian Privacy Principles apply to Pavo. Emmber, Inc. holds the information about you and your account in the United States, takes reasonable steps and uses binding contracts before disclosing it overseas, and stays accountable for its service providers. The pay page and receipt tell your customers that their details were collected. You can ask to see and correct your information, delete your account from Settings, and complain to the Office of the Australian Information Commissioner (Privacy Policy, Section 22; DPA, Section 8).

Pavo sends marketing messages only with your consent under the Spam Act, with an unsubscribe facility in every message honoured within five working days. Receipts, payout and security notices are service messages, not marketing (Terms, Section 25.12).

8. The documents

© 2024–2026 Emmber, Inc. All rights reserved. Pavo™ and Lux™ are trademarks of Emmber, Inc.