✓ 25% Monthly Max • ✓ 30-Day Grace Period • ✓ Daily Law Enforcement Reports
Stop paying monthly fees. Florida pawnbrokers using PPSS paid $695-$995 once for a lifetime license. Three years later? Still $695-$995 total. No monthly subscriptions, no annual price increases, no surprise renewal fees.
Handles Florida's 25% monthly maximum, 30-day maturity + 30-day grace period, automatic forfeiture tracking, and daily law enforcement reporting. (Click the Purple Video Button above for a software overview.)
Typical subscription: $300/month = $10,800 over 3 years.
PPSS: $895 once + $590 updates = $1,485 over 3 years.
Savings: $9,315 in three years. Over five years? $16,515.
Updates: $295/year or $737 once.
Florida law (§539.001) creates a unique two-phase system: 30-day maturity date followed by a mandatory 30-day grace period. Pledged goods not redeemed by the maturity date must be held for an additional 30 days. After the grace period expires, the item is automatically forfeited by operation of law—no further notice required.
Pawnbroker Pawn Shop Software (PPSS) Florida Edition tracks maturity dates, calculates 30-day grace periods, monitors automatic forfeiture dates, enforces the 25% monthly maximum, and generates daily law enforcement reports.
Automatic Forfeiture After 60 Days Total (§539.001)
Florida uses a two-phase timeline: 30-day maturity date + 30-day mandatory grace period = 60 days total before automatic forfeiture. On day 61, absolute right, title, and interest in the property vests in the pawnbroker by operation of law. No court action. No additional notice. Automatic.
25% Monthly Maximum—Any Amount (§539.001)
Florida pawnbrokers may charge any amount of pawn service charge, as long as the total (including interest) does not exceed 25% of the amount financed per 30-day period. Minimum charge: $5 per 30-day period. Interest component is deemed to be 2% of the amount financed.
Daily Law Enforcement Reporting
Florida pawnbrokers must deliver original pawnbroker transaction forms to the appropriate local law enforcement official by the end of each business day for all transactions during the previous business day. Electronic submission through approved systems is common in larger jurisdictions.
Carson's Pawn, Pensacola, FL
"We switched to PPSS five years ago and paid $895 once. Competitor software wanted $275/month = $16,500 over five years. We paid $895 + $1,475 updates = $2,370 total. Saved $14,130. PPSS handles Florida's 30+30 forfeiture timeline perfectly—no missed grace periods, no accidental early forfeitures."
Florida Gun and Gold, Ft. Lauderdale, FL
"PPSS saved us thousands. We paid $695 three years ago for our single-station license. Monthly subscriptions would have cost $9,900. We paid $695 + $590 updates = $1,285. Saved $8,615. The automatic forfeiture tracking is critical—PPSS flags items on day 30 (maturity) and day 60 (end of grace). Never miss a deadline."
Madison Pawn & Outdoors, Madison, FL
"Lifetime license is the smartest investment we made. Paid $895 once. Four years later? Still $895. Subscription software would have cost $14,400. Even with updates ($1,180 over 4 years), we're at $2,075 total—saved $12,325. PPSS calculates the 25% max correctly and tracks grace periods automatically."
From Jacksonville to Key West, Florida pawnbrokers choose PPSS for lifetime ownership and Florida-specific compliance.
Loan Date: January 1, 2026
PPSS Tracking: Automatic maturity date calculation (loan date + 30), grace period end date calculation (maturity + 30), forfeiture date flagging (grace end + 1), daily alerts for items approaching maturity or end of grace.
Florida caps total pawn service charges at 25% of the amount financed per 30-day period, with a $5 minimum:
| Loan Amount | 25% Max (30 days) | Note |
|---|---|---|
| $10 | $5.00 | $5 minimum applies |
| $20 | $5.00 | $5 minimum applies |
| $50 | $12.50 | 25% calculation |
| $100 | $25.00 | 25% calculation |
| $500 | $125.00 | 25% calculation |
PPSS enforces the 25% maximum and $5 minimum automatically. For redemptions after 30 days, charges double for days 31-60, then accrue daily after day 60 at 1/30th of the original charge.
Florida pawnbrokers must deliver transaction forms to local law enforcement by the end of each business day. PPSS generates:
Many Florida jurisdictions use electronic reporting systems. PPSS exports data in formats accepted by local law enforcement agencies.
Florida pawnbrokers are licensed by the Department of Agriculture and Consumer Services under Chapter 539, Florida Statutes (The Florida Pawnbroking Act).
Key State Requirements:
PPSS provides: 30-day maturity tracking, 30-day grace period calculation, automatic forfeiture date monitoring, 25% maximum enforcement, $5 minimum enforcement, daily law enforcement report generation, pawnbroker transaction form templates, thumbprint documentation tracking.
Basic License: $695
Professional License: $895
Multi-Station: $995
Software Updates (Year 2+):
