Regulatory Disclosures
Flowa Pay's current regulatory status, registrations and the limits of those registrations.
1. Regulatory status
FLOWA PAY INC. ("Flowa Pay", "we", "us") is registered as a Money Services Business (MSB) with the Financial Transactions and Reports Analysis Centre of Canada ("FINTRAC") under registration number C100000902.
You can independently verify this registration on the public FINTRAC MSB registry: FINTRAC MSB registry search.
2. What MSB registration means — and does not mean
Registration as an MSB is a legal requirement for entities carrying on certain money-services activities in Canada. It obliges us to maintain a compliance programme, keep records, verify identity and report to FINTRAC.
3. Scope and other jurisdictions
We provide services only where we are permitted to do so. We do not hold banking, deposit-taking, e-money or investment-services licences, and we do not describe ourselves as a bank. Where we work with regulated banking or payment partners, the relevant regulated activity is performed by those partners under their own authorisations.
Registrations or authorisations in additional jurisdictions, and any certifications described elsewhere on this site as "in progress", are pending completion and independent review, and should not be relied upon until confirmed here.
4. Contact
Questions about our regulatory status can be sent to hello@flowapay.co.