North Carolina Pawn Software: Pay Once, Own It

Stop paying monthly fees. North Carolina pawnbrokers using PPSS paid $695-$995 once per computer. No monthly subscriptions, no annual price increases.

PPSS is a full-featured Windows program that handles pawns, buy-outs, layaway, and consignment—all with a one-time payment. The software installs on your own computers. No cloud dependency, no data hostage situations.

Built for North Carolina's 1989 Modernization Act, PPSS includes:

  • 9-point transaction records with dedicated fields—including "agreed stated value"
  • 2% monthly interest tracking
  • Tiered fee caps: $100 (month 1), $75 (months 2-3), $50 (month 4+)
  • 60-day forfeiture countdown with automatic calculation
  • Three mandatory ticket statements (auto-print on plain paper)
  • Henderson County 1-business-day upload scheduling
  • Unlimited electronic reporting to LEADS Online and local agencies

Download the free North Carolina demo ?

Pawnbroker Pawn Shop Software North Carolina Interface

Trusted by North Carolina Pawnbrokers

Wake Forest, NC

"We've been using PPSS at Premier Pawn in Wake Forest for several years now. The software handles North Carolina's complex fee structure perfectly—the $100/$75/$75/$50 caps are built right in, so we never accidentally overcharge. The 9-point records keep us compliant during inspections, and the one-time payment saved us thousands compared to subscription services. We have three computers in our shop—paid $695 for the first, $399 each for the other two. Still less than one year of subscription fees."

— Premier Pawn, Wake Forest, NC

Wilmington, NC

"PPSS cost us $695 for our main computer—once. No telling how much we would have spent on a web-based program with monthly increasing cost. The three mandatory statements print automatically on every ticket. No rubber stamps, no hand-writing notices. Just print and we're compliant."

— Pawn USA, Wilmington, NC

Henderson County, NC

"Before PPSS, we had a chart on the wall showing the fee caps. Now the software enforces them automatically. Month one allows $100, month four allows $50—no more referring to the chart. And the 1-business-day upload to the Sheriff's Office is automated. We added a second computer for $399—cheaper than a month of most subscription software."

— Henderson County Pawnbroker

North Carolina Pawnbrokers: Eight Years, One Payment

Pawn USA in Wilmington bought PPSS in 2014. Eight years later, they've paid exactly $695 for their first computer—total. Not per year. Not plus "LEADS modules." Just $695, once, in 2014. They've since added two more computers at $399 each. Total cost for three computers over eight years: $1,493.

Subscription Model (8 Years, 3 Computers):

  • Base software: $400/month × 96 months = $38,400
  • NC "compliance pack": $35/month × 96 = $3,360
  • LEADS transmission fees: $0.50 × 500 reports = $250/year × 8 = $2,000
  • Annual updates: $200 × 8 years = $1,600
8-Year Total: $45,360

PPSS North Carolina Edition (8 Years, 3 Computers):

  • First computer: $695 (2014 purchase)
  • Two additional computers: $399 each = $798
  • 9-point record updates: $0 (included)
  • LEADS transmission: $0 (unlimited, included)
  • Support: $0 (lifetime, included)
8-Year Total: $1,493

Premier Pawn in Wake Forest? Same story. One payment per computer, endless savings.

North Carolina Features Built Into PPSS

9-Point Records

Dedicated fields for all nine NCGS §66-391 elements—including the unique "agreed stated value." No cramming extras into notes. Premier Pawn tracks everything in one system.

Tiered Fee Caps

Software enforces $100 (month 1), $75 (months 2-3), $50 (month 4+) automatically. Try to overcharge? The software won't let you. No manual checking required.

2% Interest Tracking

Configure the 2% monthly interest rate once. PPSS calculates it automatically on every transaction, including partial months.

60-Day Forfeiture

Enter maturity date once. Software calculates 60-day forfeiture date automatically. Items approaching forfeiture flagged in daily reports.

Plain Paper Tickets

Three mandatory statements print automatically. No expensive pre-printed forms. Edit the text file if language changes—no $500 minimum order.

Henderson County Upload

Generate daily transaction reports, track 1-business-day deadline, export in §66-391 format. No missed uploads.

Simple, Transparent Pricing

Deluxe Edition

$695

First Computer

  • Single workstation license
  • All NC-specific fields
  • LEADS reporting included
  • Lifetime ownership
  • Phone/email support

Additional Computers

$399

Each, Same Shop Location

  • Add workstations as needed
  • Full software features
  • Network compatible
  • No recurring fees
  • Premier Pawn added two for $798 total

Updates

$295/year

or $737 lifetime

  • Software enhancements
  • Not required for use
  • Lifetime option covers all future updates

Example: Premier Pawn in Wake Forest runs three computers. Total cost: $695 + $399 + $399 = $1,493. That's less than four months of most subscription services.

Henderson County: 1-Business-Day Upload Requirement

Henderson County (Chapter 20) requires electronic inventory tracking with transmission to the Sheriff's Office within 1 business day of receipt. This is stricter than the general state requirement.

Henderson County Features in PPSS:

  • Employee criminal record check tracking (10-year lookback, multi-county)
  • License fee payment dates ($50 annual)
  • Electronic upload scheduling (1-business-day countdown)
  • Reference documentation storage
  • Notarized statement attachment
  • Export in §66-391 format for Sheriff's Office upload

Henderson County shops use PPSS to generate daily uploads automatically. Transaction recorded Monday morning? Upload to Sheriff's Office by close of business Monday. No missed deadlines, no manual export processes. Add additional computers for $399 each.

How North Carolina Pawnbrokers Actually Use PPSS

Managing the Tiered Fee Schedule: $100 ? $75 ? $75 ? $50

Month Maximum Service Fee Plus 2% Interest Example: $100 Loan
Month 1 $100 max + $2 interest $102 total
Month 2 $75 max + $2 interest $77 total
Month 3 $75 max + $2 interest $77 total
Month 4+ $50 max + $2 interest $52 total

PPSS tracks each month separately. Try to charge $75 in month four? Software won't let you—cap is $50. No manual checking, no violations.

9-Point Transaction Records in Practice

North Carolina requires nine specific transaction elements. The ninth—"agreed stated value"—is unique to North Carolina. This is the value the customer and pawnbroker agree upon for potential loss or damage claims.

All Nine Required Elements (NCGS §66-391):

  1. Property Description: Model, serial number, identifying marks
  2. Customer Information: Name, address, phone, date of birth
  3. Transaction Date: Date of pawn or purchase
  4. Identification: Type and number of ID presented
  5. Physical Description: Height, weight, sex, race
  6. Amount Advanced: Principal loan amount
  7. Due Date and Amount: Maturity date and total amount due
  8. Monthly Charges: Interest rate, APR, total monthly recovery fee
  9. Agreed Stated Value: Value for loss/damage purposes

Premier Pawn in Wake Forest stores all nine in dedicated, searchable fields. Law enforcement inspection? Pull up any element instantly. No digging through "notes."

60-Day Forfeiture: How the Software Tracks It

Forfeiture Timeline Example:

  • Loan Date: January 1, 2026
  • Maturity Date (30-day minimum): January 31, 2026
  • 60-Day Period Begins: January 31, 2026
  • Automatic Forfeiture (if no payment): April 1, 2026
  • Further Notice Required? No—ticket statement satisfies notice requirement

PPSS Tracking: Enter maturity date once. Software calculates 60-day forfeiture date automatically. Items approaching forfeiture flagged in daily reports.

About the Author

SH
Steve Henning
Managing Director, Pawnbroker Pawn Shop Software
Steve has been involved in pawn software development since 2005. He works directly with pawnbrokers across the country, including shops in North Carolina like Premier Pawn in Wake Forest and Pawn USA in Wilmington. This North Carolina page is reviewed periodically against the North Carolina Pawnbrokers and Cash Converters Modernization Act (NCGS §66-385 through §66-396) and Henderson County Code Chapter 20.
info@pawn-software.com    800-710-6184    Updated: February 2026

Frequently Asked Questions: North Carolina Edition

Q: How much does PPSS cost for a North Carolina pawn shop?

A: The first computer is $695 (Deluxe Edition) or $895 (Diamond) or $995 (24karat). Additional computers at the same shop location are $399 each. That's it—no monthly fees, no per-report charges, no "compliance pack" add-ons. Updates are $295/year or $737 lifetime. Pawn USA paid $695 in 2014 and is still using the same license today. Premier Pawn runs three computers for a total of $1,493.

Q: How does PPSS enforce the $100/$75/$75/$50 fee caps?

A: The software tracks which month the loan is in and applies the correct cap automatically. You configure the caps in the fee settings, and PPSS prevents entering amounts that exceed the configured limit for each month. No manual checking required.

Q: What's the "agreed stated value" field for?

A: North Carolina requires a ninth record element: the value the customer and pawnbroker agree upon for potential loss or damage claims. It's separate from the loan amount and stored in its own dedicated field in PPSS. Premier Pawn in Wake Forest uses this field for every transaction.

Q: How does the 60-day forfeiture work in the software?

A: You enter the maturity date once. PPSS calculates the 60-day forfeiture date automatically and can flag items when they approach forfeiture. The three mandatory statements—including the 60-day notice—print automatically on every ticket, satisfying the notice requirement.

Q: Does PPSS handle Henderson County's 1-business-day upload requirement?

A: Yes. Transaction recorded Monday? The software can track the deadline (close of business Monday) and generate the upload file in §66-391 format. You still need to send the file yourself, but PPSS handles the data export and deadline tracking. Henderson County shops also track employee background checks and license fees in the software.

Q: Can I edit the three mandatory ticket statements?

A: Yes. They're stored in a plain text file. If the legislature changes the required language, you edit the file and start printing updated tickets immediately. No $500 minimum order for new pre-printed forms. Pawn USA has used this feature for years.

Hardware Compatible with PPSS

PPSS works with common off-the-shelf hardware. No proprietary equipment required.

  • Printers: Any Windows printer (inkjet, laser). Thermal label printers from Zebra, Dymo, TSC, Godex.
  • Scanners: Driver's license scanners (1D/2D barcode). TWAIN-compatible document scanners.
  • Fingerprint: SecuGen biometric devices (24karat edition).
  • Cash Drawers: POS-X, Star, Epson, or generic drawers with RJ11 interface.
  • Signature Pads: Topaz Systems models.
  • Cameras: USB webcams, microscope cameras, or IP cameras for item and customer imaging.

View complete hardware compatibility list ?

Get Started with PPSS North Carolina Edition

1. Download Demo

Test all North Carolina-specific features. No credit card required.

2. Import Data

We'll help you migrate from your current system at no charge.

3. Purchase & Install

$695 first computer, $399 each additional. Installation takes about 30 minutes.

Download Free North Carolina Demo

Contact Information

North Carolina Pawnbrokers:
800-710-6184

Monday–Friday: 9:00 AM – 5:00 PM Eastern Time
Email: info@pawn-software.com