Low-Cost Pawn Computer System

Start with a one-time payment as low as $695 and expand with your business. Pawnbroker Software is the perfect alternative to over-priced complicated pawn-shop programs, and your payment will not be accepted until you are satisfied that this is program is right for you. (Click the image to the right (or below) for a video overview.)

Pawnbroker Pawn Shop Software
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Save big with
Pawnbroker Pawn Software

No forced prepayment of monthly or annual support fees1.

Avoid the high cost of preprinted pawn forms. Print pawn transactions on paper using an ink printer. (except Florida)

Compare cost to Bravo, HiTech, PawnMaster, Pawndex.

1 Software updates are $175/year starting year 2.

Tiered Features and Pay-Once Pricing

Pawnbroker Pawn Shop Software is a one-time payment with no annual or monthly prepaid support fees. (Starting with the 2nd year there is a small annual payment of $175 for software maintenance - not to be confused with 'customer support'.)

PPSS features and prices are graduated so small shops and employees can start with basics at a low price and upgrade as computer skills and software requirements grow. Prices here are for software only.

Basic Pawn Shop Software $695

The Deluxe edition of Pawnbroker Pawn Shop Software processes pawns and related activities (forfeits, payments, redemptions), prints pawn tickets, reports to LEADS and the police and manages other types of transactions like buy outright (resale), check cashing, payday/title loans and rentals.

Advanced Pawn Program $895

The Diamond edition of PPSS controls employees by restricting each person's access to data and preventing transactions (like voids and discounts) which are prone to theft. Diamond supports pictures, barcodes, thermal price labels, cash drawers, receipt printers and gold assessment.

The Ultimate Pawn System $995

The 24karat edition of Pawnbroker Pawn Shop Software adds electronic fingerprinting, drivers license scanning (except GA, TX) and FTP LEADS Reporting. (Scanning driver licenses populates the new-client screen with information encoded in the license 2D barcode.)

Is PPSS Right for You?

We won't accept payment until you agree that it is, and way before that,
please accept our invitation to demonstrate the program on your computer.

What Is a Pawn Software Program/System?

Pawn software (or a 'program') is a computer application ('app') that installs on a PC or laptop and is used by pawn shops around the world to manage their businesses including client management, pawn and buy outright transactions, reporting and POS (Point of Sale). PPSS provides software for Australia, Belize, Canada, Germany, Ireland, Israel, Jamaica, Las Vegas, Mexico, New Zealand, Puerto Rico, South Africa, The Philippines and The United Kingdom (UK).

Pawnbroker Pawn Shop Software is a one-time payment with no annual or monthly prepaid support fees.

Prices of other programs are significantly higher and monthly or annual payments for 'support' are required. (Starting with the 2nd year there is a small annual software maintenance of $175 (not to be confused with 'customer support'.)

Other programs that reside on websites are 'web based' in that they are installed on a remote computer and the shop must have an Internet connection and a web browser to access the program. A (high) endless ever-increasing monthly payment is required.

The monthly payment increases? Yes. Just ask those who have been using a web-based program for a prolonged period of time. The cost of most things go up over time but with pawn software, developers are keenly aware that pawn-shop owners (and employees) are very reluctant to mess with getting data converted and having to learn (and purchase!) a different program, i.e., they are 'locked in', spawning the temptation to gouge end users with frequent and large increases in the cost of operating the software.

Cheapest Pawn Software

The 'cheapest' software costs the least up front and over time.

Most software vendors use their websites to hype their products while knowingly and willingly avoid disclosing cost. Assuredly failure to disclose prices and fees warns that the software is expensive way beyond reasonable cost and most pawn owners' budgets.

For most software offerings the initial outlay is only the tip of the priceberg and will only be a fraction of the total cost over the time you expect to be in business. Here again, never in sales hype or pre-purchase information will there ever be in all caps and bold lettering (or in words otherwise expressed), "WARNING! WE NOT ONLY RESERVE THE RIGHT TO INCREASE YOUR COST IN THE FUTURE BUT CAN LITERALLY GUARANTEE THAT ONCE YOU'RE LOCKED INTO THE SOFTWARE, WE WILL ESCALATE THE COST WAY BEYOND THE PRICE QUOTED PRE SALE. The practice of failing to fully disclose open-ended cost is an act of fraud (deceving for financial gain). Assuming that potential buyers know 'cost always increase' falls way short of being honest about established business practices clearly intended to exploit client relationships.

Even where prices are posted on some pawn-software websites, there can be additional costs after the initial purchase of the software. Some of the add-ons are reasonable if additional features or usage are needed. Others are just price pits covered with branches and leaves for pawn-shop owners to fall into.

Purusing several software websites may reveal that very little and often nothing is mentioned about this escalating cost. It may be necessary to drill down to some Terms of Use or software agreement but even there the mounting cost may not be revealed.

While it may not be in your plan at the moment, the day may come when you decide to sell your business. It will be more attractive if the new owner won't be saddled with a huge monthly or annual expense for software, or be forced to convert to a different program, have the data converted and have existing employees learn a new system.

Also possibly not on the table is the prospect of multiple stores. How much is it going to cost to add copies or users of the software at other locations.

Budget-minded shop owners will find the best bargain for competitive and reasonably-priced software and hardware in Pawnbroker Pawn Shop Software - marked down to moderate pricing with comparatively low-cost for software maintenance (updates).

Pawn Manager Software

Using software to manage a pawn shop operation has many advantages:

Pawn Software Price

"Price' often gets conflated with 'cost' which are two very different things. The former commonly refers to the up-front cost of getting started while the latter is a sum of all funds paid to a software developer over the span of software use.

Pawn-software pricing can invite misleading advertising. The temptation is to mask (very) high long-term cost with focus on low bait-and-switch start-up price quotes. "Get started for only $99!" might masquerade the real $xx,xxx cost of taking the bait and heading down the road in the wrong direction. Any program that is 'web based' will include perpetual payments and the risk that once locked into the program, payments over time will surely increase.

Price manipulation can be avoided by asking questions up front and getting responses in written word (email) by an identified person authorized to make representations on behalf of the software developer. It's best to get these statements under the name of the owner of the software company. A great question to ask, to cut through the sales hype is "Based upon current pricing structure, how much will I pay to use this software over the next 10 years?" Also, "How much does it cost to use the software on multiple computers or at additional store locations?"

Software developers have ongoing costs in supporting software so it's reasonable to expect that some nominal amount would need to be paid each year for 'software updates' (or 'patches') which deliver bug fixes and minor feature improvements.

Finally, rethink just what is necessary for the software to do. The software provider with advanced features might cost $10,000 over time where a program providing essentials might cost less than $1,000.

How Does Pawn Software Work?

A computer program (software) for pawn shops records data related to pawners, their pawned items and the transactions related to the business of granting collateralized loans.

Software uses (manipulates) the data to process pawns, compute finance charges, account balances, due and late dates. It takes and store pictures (of clients and inventory), produces reports for the shop owner and regulating authorities, and prints price labels and pawn tickets.

In addition to pawns some programs provide for management and processing of check cashing, payday loans, buy-outright (resale), retail (buying from other businesses and reselling), layaways and consignment.

Within the software itself there may be functions or tools for batch processing or otherwise automating routine repetitive tasks like editing inventory, assigning inventory categories and sending payment-due reminders.

Features might also include data management (backup, restore, import).

Software that installs on the shop computer does not require the Internet. It's far less costly because there's just one payment to own the software and any recurring charge of maintenance is minimal.

'Web-based software' does depend upon the Internet. The shop does not own the software but merely rents it. The never-ending monthly payment adds up to a significant cost over time.

Expert Advice on Web-Based Pawn Software

Pawn-shop owners aren't expected to know about Windows, computers, servers, Internet outages, hackers and the inherent risks of making a pawn shop dependent upon 3rd parties, so why not entertain some professional advice about all of those things beforehand?

First of all, check with state and local authorities. Some jurisdictions might prohibit a pawn shop from becoming dependent upon a 'cloud platform' over concerns about data loss or data exposure. Putting client data 'out there' on another's computer (the software provider's server) that you may know nothing about (other than unfounded assurances proferred by the software vendor keen on getting your business) might be unacceptable to those who govern over your business. Moreover any shop owner who goes this route has a moral if not legal obligation to tell every client that his/her information is literally being put at risk of loss or hacking.

How Can I Use Software to Run a Pawn Shop?

Software performs a wide variety of functions, chief among them organization, automation, correct computation of values and some help in deterring employee theft.


Keeping things organized in any business is essential for efficient operation. We don't want employees wasting time hunting for things, especially if it means keeping customers waiting. Software can be used to categorize (organize) inventory into useful groups. 'Saws' might a category and within that category there may be sub categories like jigsaw, circular, table - then inventory reports can be run: "How may chain saws do we have in store?".

Separating inventory into categories makes it possible to treat each category individually for things like taxation, tax exempt, tax-free, tax above some dollar amount. A handy feature is using multiple label printers and designating which printer to use given a category. (Use printer #1 when printing barbell jewelry labels for all items in the categories 'jewelry', 'watches', 'rings'. Use printer #2 to print 2x1 non-adhesive hang tags for trigger guards on all guns categorized under handguns, rifles, shotguns, etc.

Categorized items can be tagged with 'locations' as to where they are stored (bin #6, top shelf, warehouse 12-2) making finding items quick and efficient. Conversely, within software, items may be found by running a report based upon categories but more commonly items are found by search Item ID or Description.

A stalwart feature of software is organizing pawn and buy outright transactions by ticket #, date created, date due and so forth. Managing transactions by grouping makes retrieval of information efficient. "How many pawns did we process this month?" "Which pawns are coming due this week?" "How much have we paid out today in buy outright purchases?"


Organization of a business is nearly second to the time save by automating repetitive tasks. How many things are done on a daily basis that are merely repeats of the same actions and tasks?

All of these things are automated with the implementation of software - a program installed on the computer and specifically designed for use by pawn-shop owners and employees to speed things up, keep things organized, eliminate errors and make the business of processing loans, buying merchandise outright and processing sales quick, efficient and accurate.

What Are the Risks of Web-Based Software?

  1. Running a business on the Internet makes the shop dependent upon it's Internet connection, the software provider's Internet service and the Internet itself. The latter is under government control so while you might trust the current people in charge...
  2. The shop is dependent upon a second computer provided by the software vendor. Where it is located? Who owns it? What's the degree of reliability? What security measures are in place? No matter what they are, all of these concerns are added worry about data preservation and privacy. All of this can be avoided of course by purchasing a software program (like Pawnbroker Pawn Shop Software) that installs on shop computers and does not require the Internet. Staying off the WWW is the only 'guarantee' that hackers can't get it.
  3. An unforeseen risk (that doesn't come to mind when shopping software price) is increasing costs. How much will it cost to add extra users? Licenses? Locations? The unspoken risk is an increase in the monthly payment. Can the software provider raise the price in the future? If so, what's the likelihood that once locked into the software, you'll be subjected to price increases?
  4. Another concern is ownership of your data. If you decide to dump a software vendor, does he or she have control over your data? Will your data be released to you so it can be transferred to the new software?

Someone's 'word' won't be sufficient to stave off future attempts to add to cost or hijack your data. Before jumping in it's best to read the developer's EULA (End-User License Agreement). Therein you will find the true disclosure of risk, which vendors often vehemently deny any responsibility for in using ALL CAPITAL LETTERS IN THEIR DENOUNCEMENTS.

If web-based software is oh so reliable and secure, why don't software vendors share in the risk of this shaky platform?

New Pawn Software Tools

Pawnbroker Pawn Shop Software includes a module for processing and managing payday loans. There are currently 2 formats and others may be configured as needed:

  1. Lend the net amount of the loan: For example, if the loan is for $100 and the loan charge is $20, the borrower would be issued a loan for $80.
  2. Add the loan fee to the amount to be borrowed. Give the lender $100 and collect $120. Collection is usually in the form of receiving a post-dated check dated for the due date in the amount of the loan + interest.

Improved Search Functions

In the program under User Interface options can be set to search for people (buyers, clients, employees) by name or ID, disbursements by 'paid by' or 'paid to', inventory by ID1, ID2, Description or Loan ID, Sales by invoice # or name, and pawns by ID or name. Under each table in each work area, click in the search box and starting typing a name, number or other search parameter. As each character is entered, the list of possible matches reduces to those entries matching the letters or numbers entered. When using a drop-down menu, pressing the first letter or number of the entry sought will move the cursor to the first matching entry.

Customizable 'Free' Pawn Forms

The amount spent on preprinted pawn forms adds up to thousands of dollars over time for the average pawn shop. The cost increases when changes make stock obsolete, requiring repurchasing new forms. Except in the State of Florida, Pawnbroker Pawn Shop Software can be printed on plain 8.5 x 11 paper (with boilerplate terminology copied on the reverse side). It is possible to have the pawn ticket customized to print 2 tickets per page. While slight more ink would be used for the ink printer, the cost savings amounts to again, thousands of dollars, over time. When changes are required, the file read by the program to create the ticket can be edited and the changes will appear on the next print.

Police Reporting

Pawnbroker Pawn Shop Software includes several options for reporting pawn transactions to local and state law enforcement as well as to regional and national reporting agencies:

Basically police want only want to know about items and the people who pawn or sell them with detailed descriptions of both.

Pawn software records what the item is, its description, make, model and/or serial number (if any). When the item entered is a gun, the program knows to add an entry in the electronic gun record for future reference and reporting.

Information about individuals includes of course full name, address, birthdate, race, height and weight, eye and hair color, Identification (like numbers for license, social security, passport, greencard, military, insurance, library, student), and optionally employer information and identifying (nonremovable) marks like scars and tatoos.

Pictures of items and people can also be taken, stored and reported to police but not all jurisdictions require them.

In PPSS a person's record can be flagged as 'bad guy'. The intent is to warn others working at the store to be cautious and vigilant when interacting with the person. Notes about the individual can also be added to the record to provide details as to the concern.

The program allows for the tagging of military personnel and their relatives who are 'protected' from usorious charges by the federal government. The person's DMDC Certificate ID number can be recorded.

Is Pawn Software Complicated?

In pawn there are only a few moving parts: Create a record for a new client. Enter the items being pawned. Print the pawn ticket and get it signed. Print labels for the items, or not. Store items somewhere out of public view so they won't be inadvertently sold before forfeit and any grade holding period. Send reminder notices of pawns coming due - if required by authorities or as a courtesy. Redeem pawns or extend them. Forfeit pawns that exceed the loan and grace periods. Sell inventory. Print receipts. Create reports. Report to the police or some reporting agency like LEADS Online. Repeat.

Is pawn software complicated? Simple programs are no more confusing than the actual pawn process. Pawn software seems to become complicated when those offering programs either do a poor job of designing user interfaces and/or conclude that more bells and whistles will increase sales appeal.

A well-designed and implemented software actually automates repetitive tasks, computes correct values every time, organizes inventory, makes the printing of labels and tags, receipt, pawn tickets and reports a simple process and consolidates information for any period of time into easily understood presentations in the form of reports, onscreen and in printed form.

Software vendors pushing ultra-high prices for their wares would have you believe that pawn software should do all of those things and more. If police reporting is relatively easy and the whole process of communicating with and dealing with the public is pretty much automated, do you really need to pay $2,000 every year one software allows for texts to be sent from within the program to pawners regarding pawns coming due and other communications? Roger. Some pawn-store owners fall prey to the 'If it costs more it must be better' way of thinking but such folks may not be so good at math either. The purpose of running most pawn shops is to maximize profit and giving a chuck of profits to a software developer for faddish functions won't win awards from the Wharton School of Business.

A key note of any good software program is the money saved by replacing high-priced thieving employees with computerization. With a larger monitor a shop owner can run his business on one half of his computer screen and watch his favorite sports team on the other half while saving a ton of money in wages and stolen property, not to mention forgoing the headaches of managing people. Software never gets sick. Doesn't show up late. Doesn't pilfer from the till and you don't have to listen to boring details of disinteresting lives.

Software simplifies your business, simplifies life and the meager cost is well worth it, unless of course the high-pressure sales pitches of the extremely expensive programs get the best of you.

Pawn Shop Inventory

Computerization of a pawn business is the modern, efficient and accurate way of managing and controlling the thousands of items in inventory. Organization saves time, improves customer and employee experiences and helps to build a customer base by presenting a professional image while making the experience of pawning one that many clients will be encouraged to repeat.

Each item in inventory is given an 'ID #' (identification number) and is known to shop owners and employees by that designation. With software and in manual operations, each item can be found in inventory records by its ID.

Every piece of merchandise can have a 'record' which is a file containing information about the item: its origin, description, price paid or loan amount granted, dates for when it came into the shop, when it was redeemed, forfeited or sold. (The pawn record can include a history of activity related to the item, including payments of interest, payments on principal, dates and outstanding balance.)

Inventory is managed efficiently with the use of categories - grouping items together by type. Large general category examples are vehicles, boats, equipment, firearms, electronics, outdoors, tools, metals and jewelry. General categories provide an overview of all pawned, purchased and forfeited stock but lack usefulness when creating inventory reports. Often more specific cataloging is employed to provide details about store wares. For example, firearms could be separated into antiques, collectibles, handguns, pistols, rifles, shotguns, tactical and black powder. A group like shotguns could be subdivided into single shot, over/under, double, break, pump, semi - although software might allow for subdivisions to be included as part of each gun's description vs adding complexity to the list of categories.

Using categorization with software allows for the application of variables to any category. A certain group of items may be tax free or placed on special discount. A category may be assigned a specific printer to avoid having to switch labels or tags when printing price labels for different types of stock. One printer might print a jewelry barbell label while another might print a 2 x 1 hang tag for trigger guards on guns. An item's category designation would let the program know to which printer to send the print job.

Location is another means of identifying, organizing and finding items in stock, and can be a part of the item record. Where is item 42-1? View the item record to see its location designation.

Dividing merchandise into groups is helpful for reporting - reports for the shop owner as well as reports to legal authorities (like the local police, a national database repository and/or the ATF). While the police might want a report on every item that comes into the store, the ATF, for example, only wants to hear about guns. Software is also available to automatically send daily reports to national databases like LEADS Online.

Pawnbrokers Software Free

At the time of this writing (11-13-19) there is no 'free software for pawn shops'. Any references to 'free software' are to programs available with limitations in features, time or both. "Free demo" is not "free software".

Most software vendors provide a 'free demo' with is usually the full version of the software but usable for a limited period of time. Why? Writing, producing, testing and maintaining requires the time of several people and try as we might, there's just no one in the software or pawn business who opens the doors for business just for the fun of it. If that's an understandable stance, then perhaps your quest should not be for 'free software' but software that is reasonably priced that meets your needs.

There are a few fish who spend literally thousands of dollars every year on software (needlessly). It's a bit moronic these days to be so gullible as to believe paying out the nose is necessary to get the job done.

What job is that? Keep track of people and inventory. Process pawn transactions. Report to whomever requires it. Some shop owners, on the one hand, get off of striking a great deal who some dude who doesn't have a dime in his pocket while reaching way back to pay themselves on the back for the excessive dollars that fly out the door every day on nonsense software gimmicks. Duh.

Strike a balance between 'free software', frugality and greed. Even if you could find 'free software' there will be a price for things like post-purchase service. (Oh, in addition to 'free software' you're hoping for free support? Such is not beyond the mentality of many a pawn-shop owner but getting all you can get for nothing while trying to give as little as possible for possessions of value is the very thing that causes pawnbrokers to get struck by lightning, hit by moving vehicles and never winning the lottery, ever. Karma, bitch.

Evaluate Pawn Software

Way before the Internet salesmen pushed benefits before laying cost on prospective buyers and in general it's no different today when shopping on the Internet for pawn software.

Heads up! When viewing search results for pawn software, the first few listings with 'Ad' in a rectangular box with rounded corners are paid ads - placed there by Google (for one) because the advertisers paid (big money) to get to show up first at the top of the list, knowing that getting there first might get the sale. Pretty safe to say that with the added expense of paying search engines for webpage real estate positioning, costs for 'the software' may be higher than the free listings that appear after the last paid ad. Appearing at the top of paid or free listings is in no way a reflection or evaluation of the software, the vendor or the service to be expected. Ranking highly for search terms has nothing to do with the software itself.

At first blush people seem to believe that talking to users of the software will be useful in their determinations. First up, if the vendor is willing to provide users' contact information in hopes of getting help in making a sale, then expect that your information will be offered in the future and you'll be called upon to answer calls about the software. Vendors who respect their users' privacy offer a software demo instead, so potential customers can see and 'feel' the software on their computers where the software will be used. After all, most people who made a purchase (of software) want to believe that their money was sell spent and may not be about to admit that they are at least unhappy with having to pay forever just to use a software program. They've justified the expense to themselves and may be looking for agreement from others that they made wise decisions.

How useful are reviews? Along the same vein, how dependable are reviews? It's common knowledge that businesses coax, solicit and pay others to write glowing reviews, no matter the platform (Yelp, so-called software-review sites, etc). Review sites and vendors with software represented on them commonly offer incentives to software users to write reviews, offering free software updates, discounts on purchases, promises of future benefits ("paying it forward"). In short, like the news, most reviews are fake.

A not-so-obvious trueism about 'reviews' is that once a pawn-shop owner has spent and/or is spending a gallizion dollars for the software of his choice, it's not only difficult to admit to having made a poor choice but to live with, so writing a good or glowing review of 'the software' becomes self reassurance that the decision to purchase the software was a wise one. Factually most people who decide upon one software program over another didn't do his or her due diligence but rather bought sales hype or made the purchase because the salesperson was likeable.

To view some really shocking and enlightening information, ask any software vendor for the 'End-User License Agreement' or some form of written terms that will apply after purchase. For example, vendors who tout web-based software are in complete adamant denial of responsibility for providing and recommending a program that is dependent upon the shop's Internet connection, the Internet itself, the remote computer and the remote computer's Inet connection while sales presentations play down the risk and even go so far as to suggest things like "guaranteed uptime 99%" leaving the back door open with the remaining 1%. Interpretation: 'It's safe so long as nothing bad happens and if/when it does, we're not responsible for the assurances put forth to get you into the software pre sale.'

One might ask of a software provider about future cost. If the back end cost is wide open, is purchasing the software tantamount to signing a blank check? Can the cost of using the software be increased in the future? Here again assurances pre sale need to be confirmed in writing in the EULA or some other legally-enforceable document. Sadly sales pitches aren't always in concert with post-sale facts and experiences. If you don't know to ask, some vendors aren't about to disclose their plans for laying on fees and increasing fees after purchase.