Monte
Live demo
Pawn shop software · built to replace PawnDex

The counter keeps moving, even when the internet doesn't.

Monte runs loans, buys, sales, and your firearms book on desktop, iPad, and iPhone. When the connection drops, every ticket keeps printing. When it comes back, everything syncs to every store on your account.

Book a demo Try the live demo →
Works offlineMulti-store accountsPawnDex data migrationCard data never touches our servers
Pawn loan · Store 2, Southport
Ticket PL-24-01873
Offline · saved locally
14k
14k yellow gold rope chain, 22"18.4 g · tested 14k · clasp intact
Principal$420.00
Term30 days + 60 grace
Finance charge (example rate)$84.00
Redeem by Nov 11$504.00
Customer ID scanned · police report queuedExample ticket
0 min

Downtime at the counter

Each device keeps an encrypted local copy of the data it needs. Outages don't stop transactions.

1 → ∞

Stores per account

One login, many locations. Inventory, customers, and reports roll up across stores.

4

Ways to run it

Web, Windows and Mac desktop, iPad at the counter, iPhone for owners on the move.

1 day

Target PawnDex cutover

Guided import of customers, loans, inventory, and history, checked before you switch.

Capabilities

Everything the counter, the back office, and the owner need

Built from the workflows of real pawn shops, with the regulatory paperwork handled as part of each transaction.

Pawn loans

Write, renew, partially pay, redeem, and forfeit. State-specific rates, terms, and grace periods calculated for you.

RenewalsForfeiture

Buys, sales & layaway

Fast point of sale with layaway, trade-ins, and holds. Hold periods enforced before an item can be sold.

POSHold periods

Inventory across stores

Barcode labels, photos, cost and margin, transfers between stores, and aging reports.

TransfersLabels

Firearms bound book

Electronic A&D records that follow ATF guidance, with 4473 workflow and disposition tracking. Data stays in the US.

FFLA&D

Police reporting

Automatic uploads to LeadsOnline and state systems. If you're offline, reports queue and send on reconnect.

LeadsOnlineAuto-queue

Online store

Sell from your own branded storefront, marketplaces, or both. Orders route to the store holding the item, which is locked from in-store sale.

Pickup in storeShip-to-FFL

AI assistant

Identify items from a photo, get valuation help, draft online listings and social posts, and auto-complete forms. Your staff reviews and confirms everything before it's submitted or posted.

Item IDListing draftsForm auto-fillStaff confirms

Payments

Fortis card terminals with point-to-point encryption. Card numbers go straight to the processor, never to Monte.

P2PETap / chip

System Health

A red, yellow, green board for every connection: card processor, police reporting, marketplaces, and sync. Alerts go to the right person.

StoplightAlert routing
How it works

Cloud, counter, and phone, kept in sync

Every device works from its own encrypted local copy. Changes flow up to Monte Cloud and back down to every other device on the account. Click Offline to see Store 3 keep working through its Store Hub.

Changes sent up Updates sent down In-store sync via Store Hub Cloud link down
Store 3:
Monte Cloud syncs with three stores and mobile apps. Each store has desktop and iPad devices with a local data cache, and keeps working when disconnected. MONTE CLOUD Hosted on AWS · data stored in the US · encrypted at rest and in transit Sync service Receives changes, resolves conflicts, fans out updates Business rules Loan math, holds, state and ATF rules, permissions Account database Each account walled off from every other account Backups Continuous, with point-in-time restore Connected services Card processor · police reporting · marketplaces · AI ONE ACCOUNT · MANY STORES Coastal Pawn Co. (example) Store 1 · Wilmington Counter PCStore Hub iPadAt the counter On-device dataEncrypted local copy SYNC QUEUE0 Online · synced just now Store 2 · Southport Counter PCStore Hub iPadBuying desk On-device dataEncrypted local copy SYNC QUEUE0 Online · synced just now Store 3 · Shallotte Store Hub Counter PC · live store copy STORE MODE PC 2Register iPadCounter iPad 2Buying HUB LOG0 Online · synced just now Devices sync with Monte Cloud MOBILE & WEB Owner iPhone Approvals, reports, all stores Works offline, syncs like a store device Online store Your storefront and marketplaces · online only Orders route to the store holding the item
Normal modeStore 3 activity · simulated

Every device in Store 3 syncs with Monte Cloud. The Store Hub, the main counter PC, keeps a live copy of the store's data in case the internet drops. Click Offline to cut the connection.

  • Store 3 · online · all devices synced with Monte Cloud
Step 1 · At the counter

Write it locally

Every ticket, sale, and bound-book entry saves to the device first, in milliseconds, whether or not you're online.

Step 2 · While offline

Sync inside the store

Devices switch to Store Mode and sync through the Store Hub over your shop's own network. Every register sees the same inventory, and ticket numbers never collide.

Step 3 · On reconnect

Sync everywhere

The hub replays its log to the cloud in order, the cloud re-checks business rules, and every other store and phone gets the update.

Regulation & compliance

Built around the rules pawnbrokers answer to

Controls are designed in from the start. Each area below will link to its full documentation for you, your auditors, and your counsel.

16 CFR Part 314

GLBA Safeguards Rule

Pawnbrokers are financial institutions under the FTC rule. Monte provides encryption, MFA, access logging, and a written security program you can reference.

View documentation →
ATF Rul. 2016-1

Electronic bound book

Acquisition and disposition records meet ATF's electronic recordkeeping conditions, with firearms data kept in the US and protected from alteration.

View documentation →
PCI DSS v4.0

Minimal card scope

P2PE terminals and processor-hosted fields keep card numbers out of Monte entirely, which shrinks your PCI questionnaire.

View documentation →
State pawn statutes

Rates, holds & reporting

Rate caps, hold periods, ticket disclosures, and police reporting formats are set per state and applied automatically.

View documentation →
BIPA · CUBI · state laws

Biometric privacy

Fingerprint and photo capture with consent, retention limits, and deletion schedules for states that regulate biometrics.

View documentation →
AICPA SOC 2

SOC 2 Type II Roadmap

Controls are mapped to SOC 2 criteria now, with a formal audit planned after launch.

View documentation →

PricingSample pricing · not final

Priced per store, with no hardware lock-in

Every plan includes offline mode, the mobile apps, PawnDex migration, and support.

Starter

$149 /store/mo

For a single shop moving off PawnDex.

  • Loans, buys, sales, layaway
  • Inventory and labels
  • Police reporting
  • 3 user logins
Talk to sales

Pro

Most shops
$249 /store/mo

Full shop with firearms and online sales.

  • Everything in Starter
  • Firearms bound book
  • Online store and marketplaces
  • Unlimited users
  • System Health alerts
Book a demo

Multi-store

$219 /store/mo

Five stores or more, on one account.

  • Everything in Pro
  • Cross-store transfers and reporting
  • Owner dashboard
  • Priority support
Talk to sales

AI assistant add-on

Photo item ID, valuation help with comparable sold prices, draft listings and social posts, form auto-complete, and staff guidance. AI-filled fields stay marked until an employee confirms them, and nothing is submitted or posted without that confirmation. Add it to any plan.

from $29 /store/mo
User feedback

What shop owners tell us

"Our cable went out on a Saturday and we didn't lose a single ticket. I didn't even know until the System Health light turned yellow."

Owner, 2-store shop, NC Sample testimonial

"The bound book used to be the thing I dreaded at inspection time. Now it's a report I print."

Manager, FFL pawn shop, TX Sample testimonial

"New hires can price jewelry with the AI helper on day one, and I still approve the offer from my phone."

Owner, 6 stores, FL Sample testimonial

Placeholder quotes for this mockup. Replace with real customer feedback before launch.

Share your feedback

How would you rate Monte so far?

Live demo

Run a real ticket in the sandbox

The demo is loaded with fictional customers, loans, and inventory across three stores. Nothing you do there touches real data, so try anything.

Open live demo ↗Get a guided tour
// demo sign-in (synthetic data only)
url     monte.h2enterprises.org
user    demo.clerk
password provided on request
// resets nightly at 2:00 AM ET
FAQ

Common questions

What happens when my internet goes down?

Keep working. Your main counter PC acts as the Store Hub: every register and iPad in the shop syncs through it over your local network, so everyone sees the same inventory and ticket numbers. Write loans, take payments on supported terminals, and log firearms as usual. When the internet returns, the hub sends everything to Monte Cloud in order.

Can you move my data from PawnDex?

Yes. We import customers, active and historical loans, inventory, and transaction history, then run a side-by-side check with you before cutover.

What hardware do I need?

A Windows or Mac PC, or an iPad, plus standard receipt printers, label printers, barcode scanners, and ID scanners. Card payments use Fortis P2PE terminals.

How do multiple stores work?

One account holds all your stores. Staff are assigned to stores and roles, inventory can transfer between locations, and owners see combined reporting from any device.

Is my customer data safe?

Data is encrypted on the device, in transit, and at rest. Each account is isolated from every other account, access requires multi-factor sign-in, and every change is logged.

Does the AI assistant see my customers' personal information?

No. It works on item details and photos to help identify and value merchandise, and it only answers questions about running your shop. It's an optional add-on.

Can the AI submit forms or post listings on its own?

No. The AI drafts listing descriptions and social posts and fills in forms, but every AI-filled field is highlighted until an employee accepts or edits it. Submit, Publish, and Post stay disabled until an employee confirms the review, and compliance fields like serial numbers, customer ID, and loan amounts must be confirmed one by one. Each confirmation is recorded in the audit log.

Do you support firearms sales online?

Yes. Online firearms orders ship to the buyer's FFL, and the item is locked from in-store sale while the order is in progress.

Contact

Talk to Monte Sales or Support

Sales

Demos, pricing, and PawnDex migration planning.

Email[email protected]
Phone(910) 555-0142
HoursMon–Fri · 9–6 ET

Support

Help for current customers, including after-hours outages.

Email[email protected]
Phone(910) 555-0199
Hours7 days · 8 AM–10 PM ET

Send us a message