Regulatory
How money moves through Pavo, and licensing
Each payment route, what Pavo controls and which licenses Pavo holds. Pavo holds no money transmitter license.
The short version
- Stripe processes every card payment and holds and moves the money.
- Each seller has their own Stripe account. The proceeds of each sale are credited there, and Stripe pays them out to the seller’s bank.
- From a sale, Pavo keeps only its fee. Stripe collects that fee as part of the charge.
- Pavo never sees full card numbers. Card details go to Stripe.
Each payment route
- US pay links and QR codes. The charge is created on the seller’s own Stripe account. Stripe collects Pavo’s fee from it.
- US Tap to Pay and older US invoice links. The charge is created on Pavo’s platform Stripe account, on behalf of the seller. As part of the charge, Stripe transfers the proceeds to the seller’s Stripe account, less Pavo’s fee. A refund on these charges runs through the platform account, and Stripe reverses the transfer.
- Outside the US. The charge is created on the seller’s own Stripe account.
What Pavo controls
Pavo’s software tells Stripe what to charge and which seller it is for. Pavo can refuse a payment, and it can tell Stripe to pause or change a seller’s payouts. While payouts are paused, the money stays in the seller’s Stripe balance.
If a customer disputes a charge made on the platform account, Stripe debits Pavo. Pavo then reverses the transfer to recover the amount from the seller, and sends it back if the seller wins the dispute.
Pavo offers no stored balance to spend, no person-to-person payments, no currency exchange, no checks and no money orders.
Licenses
Emmber, Inc. holds no money transmitter or money services license in Delaware, Florida or any other state.
Stripe publishes the licenses of its company Stripe Payments Company on its licenses page. Its NMLS number is 1280479, and anyone can look it up at NMLS Consumer Access.
Terms of Service Section 5.5 covers money transmission in contract language. This page describes how payments run today.
Florida
Emmber, Inc. is qualified to do business in Florida. Florida licenses money services businesses under Chapter 560, Florida Statutes, through its Office of Financial Regulation.
Emmber, Inc. holds no Chapter 560 license. Florida sellers’ payments follow the US routes above, the same as any other US seller.
If the Office of Financial Regulation has a question about how Pavo works, we will answer it. Write to [email protected] with “Regulatory” in the subject.
Questions about this page? Email [email protected] with “Regulatory” in the subject, or use the support form. Official legal notices go to the registered agent listed on the legal entity page.
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.