Pavo in Belgium

Last updated: October 26, 2026

1. Who you are dealing with

Pavo is software made by Emmber, Inc., a Delaware corporation in the United States. Emmber has no office, branch or company in Belgium or elsewhere in the EU. Your contract for the software is with Emmber, Inc., for business use only (Terms, Sections 28.1 and 28.16).

The card payments you take are processed and settled by Stripe Technology Europe Limited, authorised by the Central Bank of Ireland as an electronic money institution (reference number C187865) and passported into Belgium. You open your own Stripe account when you set up payments, under Stripe’s own agreement with you. Pavo is not authorised by the Nationale Bank van België / Banque nationale de Belgique, the Central Bank of Ireland or any other EEA regulator, does not provide payment services, and never holds your money: it sits in your Stripe account until Stripe pays it out to your bank (Terms, Section 28.2).

2. What Pavo costs in Belgium

Everything is in euro. Pavo gives at least 30 days’ written notice before changing your country’s price, and you can close your account before a change takes effect (Terms, Section 28.3).

3. Card surcharges

EU law (Article 62(4) of the second Payment Services Directive, as transposed in Belgium) bans surcharges on consumer debit and credit cards. 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 EEA seller. You must not add one either (Terms, Section 28.4).

4. Payouts

Stripe pays your balance out to your 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 28.7 and 5.9).

5. VAT and tax forms

Pavo does not charge VAT on its fee. Emmber is outside the EU and you are a business, so you account for the VAT yourself under the reverse charge (Articles 44 and 196 of the VAT Directive). Your Belgian enterprise number (ondernemingsnummer / numéro d’entreprise) is also your VAT number once activated for VAT; you account for the VAT on your periodic return. Give Pavo your VAT number at sign-up or send it to [email protected]; Pavo checks it in the EU’s VIES system and shows it on your fee statements with the words “Reverse charge — Article 196 of Council Directive 2006/112/EC”. You handle VAT on your own sales with the FOD Financiën / SPF Finances (Terms, Section 28.5).

Pavo does not file the US Form 1099-K for EEA sellers. 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 28.6).

6. Law, courts and complaints

For EEA sellers the Terms are governed by the law of Ireland, and the courts of Ireland decide disputes, without removing your right under EU law (Regulation (EU) No 1215/2012) to be sued in the courts of Belgium. The US arbitration clause, class action waiver and jury waiver do not apply to you. The EU’s online dispute resolution platform has been closed and no longer applies (Terms, Section 28.9).

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 Ombudsfin or the Irish Financial Services and Pensions Ombudsman, as Stripe’s complaints page provides (Terms, Section 28.14).

7. Your data and your customers’ data

The GDPR applies. Emmber, Inc. is the controller of the data about you and your account, and your processor for the data about your customers. Your data is stored in the United States under the European Commission’s standard contractual clauses, not under the EU-US Data Privacy Framework. You can delete your account from Settings, get a copy of your data by email, and complain to the Gegevensbeschermingsautoriteit / Autorité de protection des données, Drukpersstraat 35 / Rue de la Presse 35, 1000 Brussel / Bruxelles, gegevensbeschermingsautoriteit.be (Privacy Policy, Section 8; DPA, Section 8).

Pavo sends marketing email only with your consent or where the Code de droit économique / Wetboek van economisch recht (Book XII) allows it, with an unsubscribe link in every message. Receipts, payout and security notices are service messages, not marketing. Pavo’s assistant in the app is an AI system and says so when you use it (Terms, Sections 28.11 and 28.12).

8. The documents

• Terms of Service, including Section 28, Ireland and the European Economic Area
• Privacy Policy, including Section 8, EU/EEA Residents — GDPR
• Data Processing Agreement, including Section 8, International Data Transfers with the EU standard contractual clauses
• Subprocessors
• Acceptable Use Policy, Refund Policy, Cookie Policy

9. Languages

This page and the Terms are in English (Terms, Section 28.16). Pavo’s assistant and its sign-up are available in Dutch and French where the app offers them; the binding text stays the English one.

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