Features
Everything the counter runs on
One system for the loan book, the buy counter, the sales floor and the cash drawer, with the compliance work handled as you go.
Pawn loans
The whole life of a loan
Write the ticket fast
Scan the customer's licence to fill in their details, add the item right on the loan, and print the pawn ticket.
Renewals and partial payments
Interest-only extensions of one or several months, principal paydowns and redemptions. Interest follows the balance that's actually left.
Your rates, your fees
Set your interest rate and storage fee in Settings. Michigan pawn law comes built in: the $0.50 minimum, the 30-day term and the 90-day hold.
Know what's due
Days-out and overdue lists, and loans flagged once they're eligible for forfeiture. Forfeiting stays a deliberate decision.
Text reminders
Remind borrowers before a loan comes due. Texts only go to customers who said yes at the counter, and a STOP reply is always honoured.
A record that can't be rewritten
Every renewal, payment and redemption is kept permanently, so the history of a loan is never in doubt.
Buying & precious metals
Make an offer with confidence
Spot prices
Gold, silver and platinum on every screen, refreshed daily and whenever you ask. Uses a free GoldAPI account we set up with you.
Melt-value calculator
Pick the karat or fineness, take off the estimated stone weight, set your melt percentage, and see a suggested offer.
Multi-item buy tickets
Buy a whole tray in one transaction, with one receipt and one payout.
Seller ID required
A buy can't be completed until the seller's ID is on file. Stored ID photos are encrypted.
Sales, inventory & layaway
From the case to the customer
Multi-item sales
One ticket, sales tax handled, cash, card, check or store credit. Anonymous walk-in sales take one tap.
Price tags with your cost code
Barcoded tags show the asking price and a private cost code, so staff can negotiate without a computer.
Inventory that knows its status
In a loan, on hold, on layaway, awaiting pickup, for sale. Stock with quantities, such as coins, is counted too.
Layaway, start to finish
A deposit, payments over time, receipts that show the balance, and pickup. Terms and due dates are set by you.
Refunds and store credit
Refund one item from a larger ticket and it goes back into stock. Store credit is a balance nobody can quietly edit.
Want list
"Call me if a Rolex comes in." Matching stock is flagged for a clerk to follow up.
Compliance
The paperwork, handled as you go
Each hold runs on its own clock, and nothing can be sold before its date. The rules are Michigan's: if you're in another state, ask us before you buy.
Buy holds
Items bought outright are held for your investigation window before they can be sold.
Pawn resale hold
A forfeited pledge can't be sold until 90 days after the original pledge date, as Michigan law requires.
Police holds
Hold an item for an investigation, including the grace period before it can be released.
LeadsOnline reporting
Send transactions straight to your LeadsOnline account with the API access LeadsOnline gives your shop, or export the file yourself.
Cash over $10,000
A report finds the cash payments that need an IRS Form 8300, including payments that add up across visits.
Audit trail
Sign-ins, drawer counts, loan actions, staff and settings changes are all recorded. Nobody can edit the trail.
Cash & the back office
Close the day with numbers that add up
Cash drawer
Open with a float, and record pay-ins, pay-outs and cash drops. A blind close counts the till before it shows the expected total. With a network receipt printer, the drawer opens itself.
Multiple registers
Each register keeps its own drawer and receipt printer, and managers can close any of them.
Reports
Profit by period, cash flow, the value of the loan book, and loan aging.
Bookkeeper's journal
A balanced journal entry your accountant can use, with loans booked as money owed to you rather than an expense.
Staff & time clock
Each employee has a PIN and a role (admin, manager, associate). Staff punch in and out, and managers see everyone's hours on a timesheet.
AI listing drafts
Photograph an item and get a draft eBay listing to review and edit. Uses your own Anthropic account, which bills you a few cents a draft.
Switching is on us
Send us an export from your current system. We'll bring your customers, inventory and open loans across, and you check the result before go-live.
Or email contact@ticketandtill.com.