✓ 1992 Alabama Pawnshop Act ✓ 25% Monthly Charge
PPSS Alabama Edition — $695 to $995, one-time payment
✓ No monthly fees ✓ No per-report LEADS charges ✓ No annual maintenance contracts
Pawnbroker Pawn Shop Software (PPSS) is a Windows-based program used by pawnbrokers across Alabama. It handles pawns, buy-outs, layaway, consignment, check cashing, payday loans, and title loans — all with a one-time payment starting at $695.
The software includes user-configurable fields for Alabama's 25% monthly pawnshop charge, 8-point transaction records, three mandatory pawn ticket statements, 30-day maturity tracking, and 7-day hold procedures. You decide what to enter and how to organize your records.
"PPSS cost us $695 — once. Three years later, we've saved over $12,000. The 25% charge field calculates automatically each month — no more math errors."
— A Birmingham pawnbroker
All 8 required elements have dedicated fields — organized, searchable, sortable [citation:6].
A Birmingham . A Mobile shop switched from a system that charged per LEADS report. PPSS includes unlimited electronic reporting at no extra cost. An Arab shop was paying $0.50 per transaction for erroneous reports — PPSS validates format before export.
PPSS Alabama Edition: $695 once. No monthly fees. No per-report charges. No per-transaction fees. You own it.
PPSS provides data entry fields. You decide what to enter and how to organize your records.
Configurable numeric field for the monthly pawnshop charge — 25% of principal amount advanced. Charge is deemed earned as of transaction date, with like sum due same day each succeeding month [citation:3]. Separate field for each month's charge.
Fields for property description (model/serial), pledgor name/residence address/DOB, transaction date, ID type/number, height/sex/race, amount advanced, maturity date/amount due, and monthly pawn charges [citation:6]. All entries typed or written in ink, English language.
Pawn tickets include fields for the three required statements: 30-day forfeiture notice, ownership attestation, and redemption terms. Blank line for pledgor signature [citation:1][citation:10]. All text editable in a plain file.
Store maturity dates (30-day minimum) and track 7-day hold periods for suspected stolen property. Three conditions for holds: timely police report, warrant for pledgor, and warrant/writ for merchandise with restitution request [citation:4]. All user-configurable date fields.
Separate fields for type of identification and identification number accepted from pledgor or seller [citation:6]. Records available for inspection during ordinary business hours by supervisor, law enforcement, or Attorney General [citation:2][citation:8].
Store local registration information for cities like Arab (registration with police chief, business license, bond) [citation:5] and Oxford (daily records, 15-day hold, noon reporting) [citation:9]. Track bond amounts and expiration dates.
Statement 1: "Any personal property pledged to a pawnbroker within this state is subject to sale or disposal when there has been no payment made on the account for a period of 30 days past maturity date of the original contract, and no further notice is necessary."
Statement 2: "The pledgor of this item attests that it is not stolen, it has no liens or encumbrances against it, and the pledgor has the right to sell or pawn the item."
Statement 3: "The item pawned is redeemable only by the bearer of this ticket."
These statements are stored in a text file — edit them if the law changes [citation:1][citation:10].
Select a jurisdiction to see local requirements Alabama pawnbrokers have shared. PPSS includes configurable fields for your records.
The following is historical information about Alabama pawnbroker regulations. PPSS is a transaction management tool; users are responsible for understanding and complying with applicable laws.
Alabama Pawnshop Act (Act 92-597) enacted — established uniform definitions, licensing, recordkeeping, and pawnshop charge framework [citation:2][citation:3].
Three mandatory ticket statements codified: 30-day forfeiture notice, ownership attestation, bearer redemption [citation:1][citation:10].
Eight-point record requirement established: property description, pledgor info, date, ID, description, amount, maturity, charges [citation:6].
Seven-day hold procedure enacted for suspected stolen property [citation:4].
Key Statutory Notes: Pawn transaction defined as loan on pledged goods with redemption right [citation:2]. Pawnbroker subject to supervision of Bureau of Loans [citation:2]. Monthly pawnshop charge up to 25% of principal, in lieu of other charges [citation:3]. Excess charges void transaction [citation:3]. Stolen property may be placed on 7-day hold with timely police report, warrant for pledgor, and warrant/writ for merchandise [citation:4]. Records maintained for inspection [citation:8]. Municipalities may not enact more restrictive ordinances [citation:8].
"The 25% monthly charge used to require manual calculations. Now PPSS has a dedicated field — enter the principal once, and it calculates each month automatically. No more math errors."
— A Huntsville pawnbroker
"Arab requires daily reports by noon with a $0.50 fee for errors. PPSS validates the format before export — we haven't paid a single error fee since switching."
— An Arab pawnbroker
"The three mandatory statements are printed automatically. No more rubber stamps or handwritten notices on every ticket."
— A Mobile pawnbroker
Configurable percentage field. Enter principal once, record each month's charge separately. No manual recalculations.
Property description, pledgor info, date, ID, description, amount, maturity, charges — each with its own field. No generic notes box.
Exact statutory language stored in a text file. Print tickets with all three statements automatically.
Store maturity dates and track 7-day hold periods separately. All user-configurable date fields.
PPSS validates report format before transmission. No more $0.50 per transaction fees for erroneous or incompatible formats.
Records stored on your computers — not the cloud. No monthly storage fees. You control the data.
PPSS works with standard off-the-shelf hardware: