Regulatory
Pavo regulatory disclosures
What Pavo is, what it isn’t, and how it fits the rules on payments, financial crime, consumers and tax. Written for regulators, banks, sellers and customers.
What Pavo is
- Pavo is payment software for people and businesses selling goods and services. It is made by Emmber, Inc., a Delaware corporation qualified to do business in Florida.
- Stripe processes every card payment. Each seller has their own Stripe account and accepts Stripe’s agreement.
- The seller is the seller. Pavo is not a party to the sale between a seller and their customer.
Read by topic
- How money moves and licensing. Each payment route, Pavo’s license status and Florida.
- Financial crime and sanctions. What is banned, who checks what and what Pavo can do.
- Sellers and customers. Refunds, disputes and how to report a seller.
- Tax. Form 1099-K and who owes tax on sales.
- Outside the US. Stripe’s regulated company in each region.
Government and legal requests
Regulators, law enforcement and courts can reach Emmber, Inc. at [email protected] with “Regulatory” in the subject.
Official legal notices and service of process go to the registered agent listed on the legal entity page.
Common questions
Is Pavo a bank?
No. Pavo holds no bank charter, offers no deposit accounts and pays no interest.
Does Pavo lend money?
No. Pavo makes no loans and offers no cash advances. Its Acceptable Use Policy bans using Pavo to take a cash advance.
Is Pavo an escrow service?
No. Pavo does not hold money for a buyer until a sale is complete. Payments are between the customer and the seller, and Stripe processes them.
Can people use Pavo to send money to friends or family?
No. Pavo is for sales of goods and services. Its Acceptable Use Policy bans personal transfers, gifts, loans and splitting bills or rent. The person-to-person features it built are switched off.
Does Pavo handle cryptocurrency?
No. Pavo does not offer cryptocurrency. Its Acceptable Use Policy bans selling cryptocurrency, gift cards or stored value through Pavo.
Why do the names Plus, Pluse and CULTIIVATE INC appear?
They are the same company. The product was called Plus until October 5, 2026. The company’s name was changed from CULTIIVATE INC to Emmber, Inc. Some Stripe, tax and older records may still show an earlier name. The addresses pluse.to, plus-app.io and pavo-me.com are also ours.
Why does a card statement show an unfamiliar name?
A statement can show the seller’s name or an older Pavo name, such as PLUS-APP.IO or PAVO-ME.COM. If you don’t recognize a charge, use the support form and choose “A charge I don’t recognize”.
This page describes how Pavo works as of November 3, 2026. It is not legal advice, a legal opinion or a licensing determination. The contract with sellers is the Terms of Service.