Pawnbroking
Episcript designs, builds and supports Pawnbroker Software in Singapore: pledges, pawn tickets, valuations, interest, renewals and forfeiture, with AI we build in to read ID cards, send pledge reminders, flag unusual pledges and forecast redemptions.
For licensed pawnbrokers, from a single counter to a chain of branches.
Core modules
The modules most pawnbrokers start with, all working from one pledge record.
Each pledge is recorded at the counter with the customer, item descriptions and photos, and a numbered pawn ticket is printed with the loan amount and due date.
Gold and jewellery are valued by weight and purity, watches and branded goods by model, serial number and condition, and the valuer's figure is kept on the pledge.
Interest and charges are worked out from the rates and rules your business sets, and the redemption amount for any date shows on screen before the customer pays.
Renewing a pledge collects the interest due under your rules and issues a new ticket linked to the original, keeping every renewal of that pledge in one history.
Unredeemed pledges move to forfeiture and auction lists by the rules you set up, with item descriptions, weights and valuations ready for the auctioneer or your own stock.
One record per customer holds ID details, contact information and every pledge past and present, with repeat customers recognised the moment their ID is scanned.
Pledges and tickets
Every pledge starts at the counter as one record: the customer, each item with its photos and valuation, the loan amount, the ticket number and the due date. Staff search by ticket, name or ID number, and a lost ticket is handled on the record with its replacement logged.
Interest and redemption
Interest and charges follow the rates and rules your business sets within the law.
Worked out from the rates and periods you set per item type
The amount due today or on any chosen date
Items released against the ticket once the amount due is paid
Interest paid and a new ticket linked to the old one
Recorded against the ticket, with the balance updated
The representative's ID and authority recorded before release
Cash, NETS, PayNow and card recorded per ticket
A receipt per payment, printed or sent by WhatsApp
Valuation and forfeiture
Each pledge carries its valuation from the counter to the auction list.
By role
Each person sees what their role needs, from the same pledge records.
Loans outstanding, redemptions, renewals and forfeitures across every branch on one dashboard, with AI answering questions about your own pledge book.
Pledges, renewals and redemptions handled at the counter, with ID cards read into the record and the redemption amount on screen before payment.
Weight, purity and the gold price beside each item, with photos and certificates attached and any earlier pledge of the same serial number shown.
Due dates, cash at the counter and pledges waiting for review in their own shop, while head office sees every branch.
Pledge registers, interest income and auction results ready at month end, with the reports for the regulator and your auditors on demand.
Ticket details, due dates and redemption amounts sent by WhatsApp or SMS, with a reminder before each pledge expires.
Built to order
Built in phases using information from your own system, with staff approving every output.
Module library
Add these as your pawnshop needs them.
Every customer, ticket and photo kept in order.
Keep contact history, preferences and marketing consent in our custom CRM, linked to every pledge the customer holds.
Print pawn tickets on your own layout, with every reprint logged against the staff member who issued it.
Attach photos, receipts and certificates to each item, kept with the pledge until redemption or sale.
Count the cash drawer at day end against the pledges, redemptions and renewals each staff member recorded.
Know where every item is, held or for sale.
Record each pledged item's safe, tray and bag number, with every movement logged through inventory management.
Check pledged items against the pledge book by safe or tray, with any mismatch listed for review.
Move forfeited items into outlet stock priced from their valuation, and sell them through our Retail Inventory Management System.
Record forfeited gold sent for refining by weight and purity, and match the returns to each batch.
Every shop, ledger and audit trail in one system.
Record pledges, cash and staff per branch, with head office seeing every shop and each manager their own.
Send loans, redemptions, interest income and auction proceeds to Xero, QuickBooks or your own accounting system as journals.
Produce the pledge registers and reports the regulator and your auditors ask for, straight from daily records.
Limit each role to its own screens and branch, with every change to a pledge logged by user.
Reminders sent on time and the numbers on one screen.
Remind customers of each due date by SMS or WhatsApp, a week before and again on the day.
Generate renewal and forfeiture notices from your own templates, with each one sent and logged against the pledge.
See loans outstanding, redemptions, renewals and forfeitures on one screen, filtered by branch, item type or period.
Run moneylending loans beside your pledges in our Loan Management System, linked to the same customer record.
Integrations
Connect the system to the identity, payment, messaging and accounting tools your shops already use.
Singpass, Corppass and Myinfo
PayNow and payment gateways
WhatsApp Business
Xero
QuickBooks
Google WorkspaceCustom build
Packaged pawn systems suit shops whose process matches the product. When your valuation rules, ticket layout or branch set-up do not, we build the Pawnshop Software around them, and change it when your business changes.
Questions
Pawn shops use either a packaged pawn system or software built around their own process. Both handle pledges, tickets, interest and redemptions, and a custom build also fits your valuation rules, ticket layout, branches and reports.
The software records every payment against its ticket, and reports interest income, redemptions, renewals and forfeitures by day, branch or item type. Management sees which pledges are earning interest and which are heading for forfeiture.
Cost depends on scope: the modules in the first phase, the item types and valuation rules to build, the data to migrate and the systems to connect. We quote after a scoping session and price each phase separately.
It depends on the first phase. A release covering pledges, tickets and redemptions goes live sooner than a full build with forfeiture, branches and regulatory reports, and we give you a schedule once scope is agreed.
We migrate them for you. We map each open pledge, its items, ticket number, loan amount and payments to date from your old system or spreadsheets, run a test import with you, then cut over on an agreed date.
Our solutions are eligible for government grants. We explain how the schemes apply to your project and what the agency looks for, so you can budget with the full picture in front of you.
Gold prices can be entered by hand each day or taken from a live price feed you subscribe to. New valuations use the latest price, and pledges already held can be revalued against it.
The system can connect to Singpass, Corppass and Myinfo for customer details, PayNow and payment gateways for redemptions, and Xero, QuickBooks or your own accounting system. Card terminals and other connections are scoped with you.
AI features can be added, each scoped with you and built in its own phase using information from your system. They cover ID and document reading, WhatsApp reminders, notice drafting, data questions, redemption forecasts and checks on unusual pledges.
The system supports your PDPA obligations through permissions, activity logs, consent records and access controls. Staff see only the customer data their role needs and every change is logged, while your own policies do the rest.
One system runs every branch. Pledges, cash, stock and staff are recorded per shop, with reports per branch or across the chain, and each branch manager sees only their own pledges.
Related solutions
Next step
Bring your pawn tickets and pledge records, and we will show you the same pledges set up in the system, with AI reading ID cards and drafting reminders.