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System Configuration

You will learn how to use Bravo’s System Configuration to manage store settings, employee permissions, workstation options, and key operational preferences.

Last Updated:  4/14/2025

The System Configuration module will take you step by step through the Bravo configuration features.  Bravo configuration settings control user access, store information, estimator settings, and other administration options.

Access to Bravo configuration settings is a privileged function. Only system administrators and store managers should be provided access.  These settings are the key to the successful execution of Bravo features.

The System Configuration settings control every part of Bravo.  Use the links below to navigate to each section. 

Getting Started

The System Configuration screen is displayed by selecting the System Configuration button on the Bravo Dashboard. 

Note: The System Configuration button is only visible if the logged on user has the authority to access these functions.

The Main configuration screen has three panes. The left pane shows a hierarchy of stores, employees, and workstations. The center pane is the main work area.

The tabs at the top of the main work area change based on the selection in the left pane, offering different configuration options. The right pane displays a button list that updates according to the selected tab.

Store Information

The Store Information tab allows the user to define general information about the store including the store location, store logo, and other general information.

Select the store to edit in the navigation pane.

The current information for the store is displayed in a non-edit mode.

Select the Edit button.  This will cause the fields on the main work panel to be activated for editing.

Modify or populate the fields. The following provides additional information about some of the entries:

  • Print code –  This is the three-character unique code that is used to identify the store and is prepended to the beginning of transaction numbers, inventory numbers, and pawn ticket numbers to make them unique for each store in your company. This field cannot be changed.
  • Short Name - This is a code for your store. It is usually the same as the print code.
  • GL Store Number – This number can be automatically inserted into the General Ledger (GL) account number to keep the GL accounts separated by store.   This is only useful if you have or plan to have more than one store in your company.
  • FFL Number – This is the store’s Federal Firearms License (FFL) number.
    • This will show up on all firearm reports and sales where an E4473 is done.
  • Latitude / Longitude – The GPS location of the store.  This will be used to provide web maps for the store.
  • Region - This field will be available if your company uses regions to classify stores.
  • Logo / Browse – Select Browse to select an image file for your store logo.  This logo will be printed on reports, receipts, loan documents, etc. It will be printed in place of the store name.
  • Add Store Specific Tax Authority - This can be selected if you have two or more stores in the same zip code that have different tax codes.  

Select Save to commit the changes to the database or select Cancel to discard the changes.

Select Done to exit the configuration function. 

Configuration Tab

The Configuration tab allows the user to customize Bravo for the selected store.  The information is divided into logical segments. 

As with the previous configuration screen, select the Edit button to open the fields for change.  Some fields require information to be typed, some are check boxes that can be toggled on or off, and others are selected from a drop-down list. When finished, select the Save button to save the changes. 

Clicking on the name of the configuration item will display the definition for that item, as shown in the example below.

 

 

 

General Configuration Settings 

 

The top section of the Configuration tab consists of general configuration settings for the store.

  • Franchise Name - Franchise name for display and reports. (This does not necessarily match the Company.)
  • Time Zone - Time Zone for Store
  • Auto Daylight Saving Time - If checked, store follows Time Zone rules for Daylight saving time.  If left unchecked, store will never switch to DST.
  • Receipt Messages - Configurable messages that will print at the bottom of sales receipts.  Up to 4 lines. ** New April 15, 2025 Receipts can omit the customer's information when a customer is selected during a transaction.

To configure a store to exclude printing the customer's information, follow these steps:

    • Click the Edit button and uncheck the box for Include Customer information on Receipts exclude the customer's full name, address and phone number printed on receipts.
    • Click the Save button and then Done to return the the Dashboard.
  • Receipt Signature Line - Ability to select types of transactions that will print a signature line at the bottom of the customer receipt.
    • Select from:
      • Final Sales
      • Firearm Sales
      • New Layaways
      • Redemption
      • Web Pickup
      • Surplus
      • Consignment Returns
      • Repair Pickup
  • Cost Code - Code that will be used to communicate cost to associates while keeping costs confidential from customer base. The first 10 letters represent the numbers 1-9 plus 0.  Any additional letters will alternate for 0.
  • Closed Saturdays/Sundays - Default value for determining if the store is closed on Saturdays or Sundays when adding new days to the store calendar.
  • Autolock when going back to dashboard - If checked, Bravo will lock the user session every time the user is prompted to return to the Dashboard necessitating a new log-in.  
  • Autolock time out period - Period of idle time in minutes before Bravo automatically locks the user session necessitating a new log-in.  Maximum allotted time is 15 minutes.
    NOTE: Autolock time out period will only work if the entire computer goes untouched for the allotted time, not just Bravo
  • Choose associates for mobile approvals - If checked, gives users the ability to determine who receives their mobile approval requests.
  • Row Shading in Reports - Configuration of the alternate row shading in reports.
  • Vendor Batch Packing list contract text - Insert text to the Batch Packing List for vendor transfers
  • Pricing Estimator Quality Assessment Optional - When pricing items, make the quality assessment questions optional
  • Automatically update Precious Metals Values - when checked, precious metals values in the Estimator will be calculated automatically as configured percentage of spot price. When unchecked, precious metals values in the Estimator must be manually set based on spot price found in the Metals Tab in System Configuration.

Associate Configuration

These values allow the user to define settings pertaining to Bravo user passwords. 

  • Max Password Age - How often to require users to change their passwords.
  • Password Memory Check - Number of unique changes before password can be reused.
  • Password Min Length - Minimum character length for passwords.
  • Password Alpha Chars - Minimum number of alphabetic characters in password.
  • Password Numeric Chars - Minimum number of numeric characters in password.
  • Password Maximum Failures - Maximum number of failed log-in attempts before the user account is locked. Locked accounts will need to be reset by a manager.
  • Require employees to approve their own exceptions - If checked, requires employees who have required permissions to approve their own exceptions. If unchecked, using username/password is not needed if that employee has the required security to perform the given action.

Printer Configuration 

These values allow the user to define the printers used with Bravo.  The value maps to the name of the printer in the Windows 'printer properties' in the Control Panel.   The user can define separate printers to print A tags, B labels, receipts, reports, pawn tickets, and buy tickets.  

The user also defines the number of receipt copies that will be printed with each transaction.

The Store Check Printer Configuration offers two options for check formats and *available in January 2025 Select an employee, in the new field, "Employee for Check Signature". Note, the employee selected has to have a digital signature registered in their profile so that Bravo can print their signature with the Check. If the Employee selected does not have a signature on file, a warning  message will pop up, "Employee for Check Signature does not have a signature on file. Signature will not be printed." so make sure the employee has a signature on file.

  • QuickBooks
  • Pre-Printed Laser/Ink Jet

Till / Safe Configuration

These settings allow the user to set the minimum and maximum dollar amounts for General tills, Point of Sale (POS) tills, Point of Pawn (POP) tills, and the Safe. 

  • Open/Close Count Option - Controls what information is available when opening/closing a till or the store.
    • Select from:
      • Blind - Bravo will not display any expected amount on opening or closing. 
      • Blind Cash - Bravo will display the expected amounts on any tender types OTHER THAN CASH.
      • Open - Bravo will display all expected amounts as well as any variance.
  • Till Close Min - Minimum amount a general or global till can close with. A transfer into the till will be prompted if amounts are below the minimum.
  • Till Close Max - Maximum amount a general or global till can close with. A transfer out of the till will be prompted if amounts are above the maximum.
  • Pop Till close Min/Max - Minimum and maximum setting amounts for Point of Pawn specific tills.
  • Pos Till Close Min/Max - Minimum and maximum setting amounts for Point of Sale specific tills.
  • Safe Close Min - Minimum amount a safe can close with without requiring a transfer of funds to meet the requirement.
  • Safe Close Max - Maximum amount a safe can close with without requiring a transfer of funds to meet the requirement.

Customer Configuration

These settings provide Bravo with certain customer settings.

  • Customer Age for Buy
  • Customer Age for Pawn
  • Customer Age to Pawn Long Gun
  • Customer Age to Pawn Handgun
  • Customer Age to Purchase Long Gun
  • Customer Age to Purchase Handgun

These are the minimum ages for different transactions in the store. Bravo will not process a transaction for a customer who does not meet these minimum age settings. These values should be set to match jurisdictional law.

  • Enable Alternate Group Rules - Allows users the ability to set up an alternate tax table
  • Enable Second Last Name - Enables support to enter two last names for a customer. 
  • Accept expired Customer IDs - Enables the ability to accept expired customer identification, and sets limits on how long the identification can be expired.
    • Select from
      • NO EXPIRED IDS
      • 1 Year
      • 2 Years
      • 5 Years
      • 10 Years
      • NO LIMIT
  • Customer Search All Stores - If checked, will search all stores in your company by default when searching for a customer.

POS Configuration

These settings define parameters for Point of Sale (POS) transactions.

  • Sale discount exception method- How you want discounts to be applied during a sale.  
    • Select from:
      • First Threshold Crossed. (item or Store)
      • Check Item Discount 
  • Display "Tax Included" Checkbox in Transactions - Display or hide the "Tax Included" checkbox in the Transactions screen for sales and layaways.
  • Jewelry Sale Disc Max - Maximum percent discount from tag price for Jewelry sales.
  • Jewelry Disc Apply Amt - The amount at which the the Jewelry Sale Disc Max applies.
  • General Merchandise Sale Disc Max - Maximum percent discount from tag price for General Merchandise sales.
  • General Merchandise Disc Apply Amt - The amount at which the General Merchandise Sale Disc Max applies.
  • Jewelry Return Period - The number of days within which a Jewelry item can be returned.
  • Bulk Sale Calculation - Prorate item prices either by current asking price, cost, or it can be set to prompt for each transaction at time of sale.
    • Select from: 
      • Prompt in Transaction
      • Price Basis
      • Cost Basis
  • General Merchandise Return Period - Number of days within which a General Merchandise item can be returned.
  • Min Credit Refund - Minimum refund amount to default to credit. Below this amount, cash is defaulted on returns.
  • Max Retail Line Items - Maximum number of allowable retail line items per transaction.
  • Shipping Amount - Default shipping amount for customer shipments.
  • Foreign Currency Upcharge - Amount extra to charge for paying in foreign currency.
  • Scan Item Verification - Select the types of items pulled from storage that will be verified in the Scan Items screen before handing to the customer.
    • Select from:
      • All Items
      • Jewelry Only
      • No Verification - Do not show Scan Items screen
  • Print Discount Savings on Receipt- Shows the savings on the receipt if a discount was applied
  • Require Customer Details for All Transactions- Disables the Fast Sale feature, requiring a customer to be added to each transaction.
  • Layaway Config - Configuration settings for Layaway transactions. (See below).
  • Allow printing store checks- Enables the store to print checks on pre-printed check stock..

Layaway Configuration

 These settings define the defaults for layaway transactions.

 

  • Layaway Minimum Down Payment Percent - The minimum percentage due required down at the start of a layaway.
  • Layaway Maximum Down Payment Percent - The maximum amount that can be paid at the start of a layaway.
  • Layaway Minimum Payment Percentage - The minimum percentage of the total layaway amount required to make a layaway payment.
  • Layaway Issue Credit on Expiration - If checked, customer will be issued credit for any prior payments when the layaway is expired in layaway management.
  • Layaway Grace Period - Number of days after the term that the layaway is held before it is considered past due.
  • Default Term - Total term in days that new layaways will be set to by default.
  • Default Promise - Default payment interval within the total term.
  • Calendar for Layaway term or extension selection - this allows your store to use a calendar setting instead of choosing a number of days
    • Enable Calendar for term selection - check this box to allow the start of the Layaway to be based on a calendar date (choosing the amount of days will still be available)
    • Enable Calendar for extension selection - check this box to allow any extensions made on the Layaway to have the term extended based on a calendar date (choosing the amount of days will still be available)
  • Contract Text - Text to print with all layaway receipts. Often used to describe additional terms and conditions.

POP Configuration

These settings that define parameters for Point of Pawn (POP) transactions.

 

  • Pawn Ticket Form - Select the Burrell document number for the style of pawn ticket to print. (This will be set up during your on-boarding process.)
  • Buy Ticket Form - Select the Burrell document number for the style of pawn ticket to print. (This will be set up during your on-boarding process.)
  • BuyBack Ticket Form - If you have a regulation set up to use BuyBacks, this form will be printed when a loan is created under that BuyBack regulation.
  • Police Ticket Form - If necessary - select the form type for the style of police ticket to print with the pawn ticket. (This will be set up during your on-boarding process.)
  • Max Items Per Ticket - Maximum number of items allowed per pawn ticket.
  • Max Qty Allowed - Maximum quantity allowed per item. (i.e. 40 DVDs)
  • Default Courtesy Hold Days - Default number of days to hold a loan for a customer when a courtesy hold is granted.
  • Maximum Total Courtesy Hold Days - Maximum amount of all courtesy hold days added together for a single loan.
  • Days to hold redemption if recently paid via check - If a customer recently made an extension or renewal with a check, hold that loan for the number of days specified, after that the loan can be redeemed.
  • Charge Interest When Closed - If checked, interest is charged when the store is closed.  If not checked, interest is charged as though renewing on the day after the last opened day.
  • Loan Extensions - Settings that define parameters for loan extensions. (Click here .)
  • Print Loan Default Date on Receipt - Print loan default date on receipt when pawn ticket is extended.
    • NOTE: This setting also decides whether MobilePawn will have the Default Date shown to customers.
  • Earliest Time for any transaction - Earliest time of day a transaction can be made.
  • Latest Time for any transaction - Latest time of day a transaction can be made.
  • Pawn Ticket Show Rate Schedule 1 - Show rate schedule on pawn ticket in place of ad image 1. (Not available on all ticket types.)
  • Pawn Ticket Show Rate Schedule 2 - Show rate schedule on pawn ticket in place of ad image 2. (Not available on all ticket types.)
  • Scan Item Verification - Select the types of items pulled from storage that will be verified in the Scan Items screen before handing to customer.
    • Select from:
      • All Items
      • All Items, Scan first pawn ticket item only
      • Jewelry Only
      • No Verification - Do not show Scan Items screen
  • Renewals Keep the Same Ticket Number - If checked, a renewal will not get a new loan number, but will keep the same number as the ticket being renewed.
  • APR Minimum Decimal Digits - Minimum number of digits to show after the decimal point when displaying the APR. (Select from 0-3.)
  • Print Pawn Ticket Items That Don't Fit on New Page - Print items that don't fit on the first page of a pawn ticket to an additional page.
  • Allow Locating Items During Transaction -Allow locating items during item acquisition transactions.
  • Number of loans per notice - Loans can be grouped into a single letter or one letter printed per loan.
  • Generate Proof of Mailing - If checked, Bravo will automatically generate proof of mailing when printing loan notices.
  • Print Lost Pawn Ticket Statement - If checked, Bravo will print a Lost Pawn Ticket Statement when there is a lost ticket fee charged.
  • Print Criminal Background check Acknowledgement - If checked, Bravo will print a Criminal Background Check Acknowledgement Form when required with a firearm pawn ticket.
  • Loan Notice Template - Document Template that is used for printing Loan Notices.


    • Fields at the top can be placed within the notice. 
    • Wording can be customized for the needs of the store.
    • Click Preview to see how the notice will print.
  • Roll Over Notice Template - If your store is set up to do Roll Overs this is the Notice template that will be used when sending out those notices.
  • Require Images - Require photo/fingerprint/signature for loans, buys, consignments.
    • Can require the following:
      • Customer Photo
      • Signature
      • Fingerprint
      • Item Photo
  • Require Serial Number - On items that have the Serial Number field available, make that field required to be entered when doing a pawn/buy transaction.
  • Print Master Jewelry Label - If checked, default will be to print one master jewelry label for all jewelry items in a loan transaction instead of one label per item.
  • Trade-In taxable - If checked, items taken in on trade will have tax credited.
  • Print Large Ticket Labels - When to print large item labels during Pawn/Buy/Trade/Layaway/Consignment w/hold.
    • Select from:
      • No Large Ticket Label
      • One per Ticket
      • One for Each Item
      • One per Jewelry Item
      • One per General Merchandise Item 
  • Vault Labels - When to print Vault Label to the special labels printer as a replacement for the Master Jewelry label and Large Ticket label. (NY and other specific regions only)
    • Select from:
      • No Vault Label
      • Jewelry Only
      • All 
  • Forbearance Minimum Down Payment %. UK Only - Minimum percentage of the total interest owed for the customer to enter a pawn ticket into Customer Forbearance. (UK Setting Only.)
  • Print Replacement Pawn Ticket when Lost Ticket - If checked, a replacement ticket will be printed when the lost ticket fee is charged.

Loan Extensions

These settings define the parameters used for loan extensions.

 

  • Loan Extensions Print Pawn Ticket - When a loan is extended, print the original ticket with the new maturity date from the extension.
  • Loan Extensions Min Amount - Minimum amount required to extend a loan.
  • Loan Extensions Min Days - Minimum number of days to extend a loan.
  • Loan Extensions Max Days - Maximum number of days to extend a loan.
  • Loan Extensions Max Extensions - Maximum number of extensions allowed per loan.
  • Loan Extensions Max Total Days - Maximum number of total extension days allowed per loan. (Based on all extensions.)
  • Loan Extensions Print Memorandum - Print a memorandum for loan extensions. (TX Only.)
  • Full Period Extensions Only - If checked, only allow full period loan extensions.
  • Extensions Make Loan Current - If checked, when extending a loan, the payment must extend the loan so the new maturity date is after the current date.
  • Prevent Extensions after Last Day of Grace - If checked, extensions cannot be made after the last day of grace.
  • Send Another Notice After Extension - If checked, schedule a loan notice if the default date is more than the notice period in the future after an extension or partial payment.
  • Collect Unpaid Notice Fees - If checked, will collect any unpaid notice fees during the extension or partial payment.

Firearms

This tab houses the ATF Primary In-Store Database Location

*Available in January 2025 There is a new configuration option in Firearms for those stores with E4473 that will appear right before the Firearm Sale Payment Option, see example below. This new entry called, "Enable Watermark on E4473" will enable or disable printing a watermark for items not transferred. 

This new entry will not show if the store does not have E4473 enabled.

  • ATF Primary In-Store Database Location - Configuration and location of:
    1. ATF local A&D Book database.
      • File name(s) will be Atflog.xlsx and/or AtfLog-Bravo.xlsx.
    2. Local onsite ATF Form 4473 database (if the store is using E4473 with Cloud Storage).
      • File name(s) will follow a naming convention similar to: [E4473 transaction serial number][year][month][day][hour][minute][second]_[form type].pdf
      • Example: VJS00002495202212020405_E4473.pdf (completed electronically)
      • Example: VJS00002464202212020357_4473.pdf (completed manually)
        • Saved at 10pm local.
        • The computer that has this folder will need to be left on as well as Bravo application is running on the computer in order for the folder to 
  • Firearm Sale Payment Option- Choose how you want to collect proceeds for firearm disposition transactions.
    • Select from:
      • Pay up Front- The customer pays for firearm prior to completing the background check
      • Pay at Pickup (e4473 required)- The customer pays after the background check is approved and the firearm is being disposed to the customer.
  • Firearm Hold Minimum Waiting Period- Enter the number of days the firearm must be held before it can be released to an unlicensed buyer/transferee.
  • Exclude Weekends from Calculation of Hold Days- Selecting this options will exclude weekends when calculating the Firearm Hold Minimum Waiting Period.
  • 3310.4 C.L.E.O- Enter the name and address of your Chief Local Law Enforcement Official (C.L.E.O)
  • 3310.4 (Handgun) Automatic Email Receipt- Enter the email address to receive automatic emails for the E3310.4 form (e4473 Required). You can enter multiple email addresses separated by semicolons (;).
  • 3310.4 (Long gun) Automatic Email Receipt- Enter the email address to receive automatic emails for the E3310.4 form (e4473 Required). You can enter multiple email addresses separated by semicolons (;).

Police Export Configuration

These configuration items define parameters used to generate police exports. These values must be configured in accordance with local police policies and procedures.   

 

Primary and Secondary Police export configuration have the similar settings. Click here to learn about Primary and Secondary Police Exports. 

Depending on the export type chosen, not every field will need to be filled out.

  • Police Store ID - Police department store identifier.
  • Export Type - Which way to send the police export.
    • Click on each type to learn more:
    • The method that is chosen will depend on the store and jurisdiction. There are additional options available based on specific jurisdictions.  
  • FTP User Name - For Leads or FTP - user name.
  • FTP Password - For Leads or FTP - password.
  • Store License - License which store uses.
  • Police Division - Which police division the store reports to.
  • Export Images to Leads Online - Whether or not to export available item or customer images to Leads Online.
    • Select one or more of the following:
      • Item Images
      • Customer Images
      • Customer ID Images
      • Customer Thumbprints
      • Customer Signatures
  • FTP Server URL - Enter the address of the FTP Server.
  • Pledger Statement (Mesa PD Only) - Display this statement above the signature box.
  • Export Header for FILE Type - Custom header for the "FILE" based printed police report to print at the top of each page.

Favorites

These configuration items define web-related configuration items. This section allows the user to define the URL to use when accessing eBay, FedEx, PayPal, UPS, Buya, USPS, email, WatchCSA, Craigslist, GunBroker, Amazon, NICS E-Check and other user-specified web sites. These settings allow the user to select the icon on the main page and be directed to the correct web site.

The last three fields are customer defined URLs. These correspond to the blank web buttons from the Bravo Dashboard.  They can be set up to point to any website that the user would like.

To configure a Custom Web Button, use the following parameters:

Website Name|http://www.websitename.com 

Note: There should be no spaces between the pipe symbol and the website link.

The button will then display the Website Name in a black font. When clicked it will direct the user to the web address specified.

Web Sales Configuration

These settings define the parameters used for Web Sales. These settings will not need to be configured until the store is ready to sell on Buya and eBay.

 

  • Web Return Period - Number of calendar days within which a web item can be returned.
  • Days to Ship - Shipment promise: number of business days within which an order should be shipped.

Payment Processors

This is for managing how money is taken through MobilePawn. It can either be PayPal or FortisPay (formerly known as BlueDog)

 

  • Paypal Marketplace (MobilePawn Payments)
    • PayPal marketplace Account Email - Paypal account email used for tracking MobilePawn payments made. (this will require you to purchase MobilePawn)
  • FORTIS
    • FORTIS API Key - This is the key given to you by the team at FortisPay (aka BlueDog) that will connect with Bravo and allow for payments in-store and on MobilePawn and Buya.
    • Require signature on terminal - If you are using BlueDog as your in-store credit card processor as well as your online, you have the option to have a signature be required on the terminal or not.
  • FORTIS TECH FOR WEB- For future release (unnamed)
  • WEB CREDOVA
  •  

Other Configuration Settings

There are several other configuration settings on the Configuration tab. These include:

Each of these settings is specific to additional features in Bravo.  To learn about these features, including their required configuration settings, click on the links above.

Regulatory Tab

Regulatory options are defined in sets. Multiple sets can be defined but only one may be used for each new loan or redemption. One regulatory set is defined as the default set and will be automatically used by Bravo unless another is specified by the user.

Below are general functions and definitions regarding Regulations in Bravo.  Regulations are defined in part by any applicable laws in your store's jurisdiction.  As such, the ability to edit these rules should be highly controlled.  If at any time you need help adjusting a regulation, please call 888-407-6287 and speak to a Support Technician for help.

Regulations cannot be adjusted or edited once they are effective.  These are the terms of the loan and constitute a contract with a customer. Loans written under a specific regulation are locked into that regulation until they are redeemed or renewed.  Loans can be renewed into a different regulation than the one they were originally written on.

At any time a store can have more than one regulation depending on your needs.  For example, you may have a regulation that is specifically for first time customers that offers special terms. 

To learn more about regulatory set rules, read the article here .

Select a Regulatory Set

If the Enabled box beside a regulatory set is checked, that regulatory set is available to be used.  If unchecked, the set is still defined but is rendered inactive.

Check the check box in the default column beside one regulatory set to make it Bravo’s default setting. If a box is already checked it will automatically be unchecked if another is selected.

Note: Clicking on the name of the configuration item will display a description and/or definition of the value to be entered. 

Regulatory Definitions

The regulatory set options are divided across three tabs, Configuration, Fees and Criteria.  

Configuration

The Configuration Tab defines the main rules of the regulation.

 

Clicking on each line will show configuration options as well as a definition of that criteria.

The following are the criteria that can be defined on the Regulatory Configuration Tab:

  • Buy Ticket Hold Period - Minimum number of days to hold a buy before it can be priced. (Police reporting requirement).
    • Default Value = number of days to hold buys.
    • Can be set to a variable amount based on the item type.
  • Pawn Police Hold Period - Number of days to hold a loan/buy when placed on a police hold. After this period, loan/buy will revert to its prior status.
    • Default Value = number of hold days allowed.
  • Pawn Max Amount - Maximum amount of a single pawn loan by law.
    • Default Value = Maximum dollar value of pawn.
  • Pawn Interest Period - Number of days in each interest period. (Usually set to 30 or a multiple of 30, unless otherwise required by law.)
    • Default Value = Number of Days
    • Calendar Month - If checked changes interest period to calculate by month instead of by number of days. 
    • Variable - If Checked will change the interest period based on one of the following criteria:
      • Ticket Age
      • Ticket Amount
      • Days Late
  • Pawn Interest - Percent and structure of Interest Charges for the loan.
    • Default Value = The amount charged per period.
    • % - If checked, the default value will be a percentage of the loan amount. If not checked, Default Value will be a flat dollar charge.
    • Variable - If checked interest charge can be set to vary based on one of the following criteria:
      • Item Type
      • Ticket Age
      • Ticket Amount
  • Pawn Interest Rebate Threshold - Threshold amount for prorated interest. Interest and fees over this amount will be prorated to a daily charge.
    • Default Value = The minimum ticket amount above which interest charges will be prorated. (If interest is not to be prorated, this amount should be set at $9,999,999.00)
    • Start on Day # (Months and Days) - When prorating interest is to start.
    • Principal Over - The base principal amount above which interest is to be prorated.
    • Rebate Fees Separately - If checked, Bravo will calculate the prorate amount of interest and fees as separate line items on the transaction.  If not checked, the prorate amount will show as one lump sum.
    • Normal vs Prorate Year - If the radio button next to Normal is checked, interest is prorated per interest period.  If the radio button next to Prorate Year is checked, the interest charge is multiplied by 12 and then divided by 365 to calculate the daily amount.
  • Pawn Min Interest Charge - Minimum amount that can be charged for interest per period.
    • Default Value - This is the minimum dollar value that will be charged per interest period.
    • Variable - If checked the minimum interest charge will vary based on one of the following criteria:
      • Ticket Age
      • Ticket Amount
    • Per Period vs Entire Transaction - Determines if the minimum interest charge is assessed based on the period or transaction.
    • Never Rebate - If checked, minimum interest charge will never be subject to prorating.
  • No Interest Charge - No interest charge during the first days of specific periods. Affects latest period only.
    • Starting on period - When the interest will begin to stop charging (0 and 1 will be for the first interest period, 2 will be for the second interest period)
    • For Days - how long the interest will stop charging for
    • This functionality will not show as working in Preview Regulations. This only shows as working when an actual loan is created.
  • Pawn Max Charge - Maximum amount of total charges per period.
    • Default Value - Defines the maximum dollar figure that can be charged by law. If no maximum is defined within the law, this amount should be set to $9,999,999.00
    • Variable - If checked, the maximum charge can be set to vary based on one of the following criteria:
      • Ticket Age
      • Ticket Amount
      • Days Late
  • Start Loans on Day Zero - If checked, the first day of the pawn will have an interest charge assessed. If a customer comes in to redeem the loan on the same day the loan is made, the regular interest will be assessed.  If not checked, customer can redeem loan on the same day the loan is made without penalty.
  • Pawn Term - Contract number of days of the loan. (This does not include any grace period.)
    • Default Value = Number of days of each pawn term.
      • If the Pawn Interest Period is set to Calendar Months, this will be the number of interest periods (months) and not the number of days.
    • Variable - If checked, the pawn term can be set to vary based on one of the following criteria:
      • Ticket Age
      • Ticket Amount
      • Days Late
  • Pawn Grace Period - Number of days after the end of the term that a loan is held before notice is sent.
    • Default Value = Number of days
    • Variable - If checked, the grace period can vary based on the ticket amount.
    • Do not include on renewals - If checked, there will not be a grace period granted on renewal tickets.
  • Pawn Notice Required Amount - Threshold principal amount above which an overdue notice is required to be sent after the term and after the grace period. 
    • Default Value = This is the threshold amount. (If no notice is required this amount should be set to $9,999,999.00)
    • Do not include on renewals - If checked a notice will not be required on renewal tickets.
  • Pawn Notice Hold Period - The number of days items must be held after a notice is sent.
  • Min Total Charge - This is the minimum total charge for overall interest per transaction.
    • Default value - Minimum dollar amount charged.
    • Fees cannot be allowed in order for this setting to work.
  • Loan Extension Method - Controls which method is used when performing loan extensions. (Click on links for further explanation.)
  • Renewal Method - Controls which method is used when performing renewals.
  • Consignment Hold Period - Number of days to hold a consignment before it can be priced for sale. (This is a police reporting requirement.)
    • Default Value - Number of days
    • Variable - If checked, the number of days to hold a consignment can vary by Item Type. 
  • Mandatory Loan Retention Period - Number of hours all goods must be held before they may be redeemed.
    • Default Value = Total number of hours
    • Excludes Weekends/Holidays - If checked, the mandatory retention period will not apply on weekends or holidays.
  • BuyBack Regulation - When enabled, pawns written using this regulation will use the BuyBack form and printer.

Fees

The Fees tab defines the fees that are assessed on pawn transactions.

Clicking on each line will show configuration options as well as a definition of that criteria.

 

Each fee will allow an amount to be configured, either in whole dollar amounts or a percentage of the principal depending on the fee.

Fees will also need to be configured with a frequency (or how often they charge) as well as an event (or what triggers the fee to charge).  An explanation of how the fees will charge will appear along the bottom of the fee configuration line.

 

If a Frequency and Event configuration is set incorrectly, Bravo will show Undefined in this location.

 

If a fee shows Undefined, the Frequency and Event selections will need to be modified.

The following are the criteria that can be defined on the Regulatory Fees Tab :

  • Administrative - This is the amount in whole dollars or % of principal that is charged as an additional administrative fee on the loan.
  • Administrative Min - This is the minimum amount in dollars that is charged on charged per transaction.
  • Appraisal - This is the amount in dollars that is charged for item appraisal.
  • Service - This is the amount in dollars of % of principal that is charged as an additional service fee for the loan.
  • Service Min - This is the minimum amount in dollars that is charged for a service fee per transaction.
  • Service Max - This is the maximum amount in dollars that is charged for a service fee per transaction. 
  • Storage - This is the amount in dollars or % of principal that is charged as a storage fee for the loan.
  • Storage 2 - This is an alternate storage fee that will be charged if the initial storage is zero. 
  • Storage Min - This is the minimum amount in dollars that is charged for a storage fee per transaction.
  • Storage Max - This is the maximum amount in dollars that is charged for a storage fee per transaction.
  • Lost Ticket - This is the amount in dollars or a % of the principal that is charged if the customer loses their pawn ticket.
  • Lost Ticket Min - This is the minimum lost ticket fee that is charged per transaction.
  • Late - This is the amount in dollars or a % of the principal that is charged when a customer picks up their loan past the maturity date.
  • Notice - This is the fee that is charged for sending a notice.
  • Firearm - This is the fee for renewing or redeeming a firearm loan.
  • Firearm Storage Fee - This is the amount charged in dollars or a % of the principal for storage specifically for firearms.
  • Value Added Tax - This is a percentage tax that is charged on interest and fees.
  • Up-front Fee - This is the amount in dollars or a % of the principal that is charged upfront.
  • Reactivation - This is the fee that is charged when a loan is reactivated.

Criteria

Regulation selection criteria is a way to become more aggressive with your lending practices. Using the criteria allows you to create a temporary promotion based on customer or items, guide employees to select the proper regulation for the loan, and limit what regulations can be selected when creating a loan.

The Criteria tab is the third tab located on the Regulatory page in System Configuration.

To set a criteria for when a regulation can be used, click the green + and select from the following options. (Multiple criteria can be selected during this process.)

  • Amount >=
    • Allows setting the lowest principal allowed to be used with the regulation.
  • Amount <=
    • Allows setting the highest principal allowed to be used with the regulation.
  • MLA Restriction
    • Set a regulation to only allow MLA or only allow NON-MLA qualified customers.
  • Category Include
    • Set one or more categories that can be used with this regulation.
  • Category Exclude
    • Set one or more categories that cannot be used with this regulation.
  • Limit Quantity 
    • Set limit to the number of loans per customer that can have access to this regulation.
  • Renewal Quantity
    • Set limit to the number of times a specific loan can be renewed to this same regulation before a new regulation must be selected.
  • New Customer Only
    • Regulation that can be used on the first day a customer is added only.
  • Expiration Date
    • Set date for regulation to expire after which it can no longer be selected.

For more information on how the selection criteria works during the loan process, click here .

Preview Regulations

The Regulatory Tab within Bravo provides a way to check and test regulations within the store.  Click on Preview Regulations.

 

This will allow you to see the Preview Regulations screen.

 

This screen is divided into four sections:

  • Scenario
    • Allows configuration of a test loan scenario, including pawn date and the calculation date, pawn amount, and items on the ticket.
  • Result
    • Shows the resulting calculations for the mock transaction based on the criteria selected in the Scenario section.
  • Detailed Results
    • Shows additional details for the resulting loan transaction.
  • Options
    • Allows a preview of the Pawn/Buy/Trade ticket.  Shows extension options based on the regulation.

Transaction Tab

The Transaction tab allows the user to customize certain transaction selections within Bravo for the selected store.  The information is divided into several sub-tabs. 

 

There are five different sub-tabs that each controls a different part of the transactions process. Click on each link to learn more.

Customer Required Fields

This tab will allow you to control which fields are required to have for the customer for each transaction type.

 

Across the top are the transaction types and down the left are the fields.

Transaction types are:

  • Customer Sale
  • Customer Return
  • Customer Layaway
  • Customer Firearm Sale
  • Firearm Dealer Firearm Sale
  • Pawn
  • Firearm Pawn

In addition to these transaction types, you have the following options

  • Show but don't require
  • Vendor
  • Firearm Vendor
The Show But Don't Require option allows you to see the field on the customer information screen so that it can be filled out, but also allows the associate to skip entry and continue the transaction.

Some of these fields are required by local jurisdictions.  You will need to verify what is required for each transaction type with your own jurisdiction.

The options are as follows:

  • First and Last Name
  • Business Name
  • Phone or Email
  • Mobile Phone
  • Date of Birth
  • Photo
  • Race
  • Sex
  • Hair Color
  • Eye Color
  • Build
  • Complexion
  • Scars Marks Tattoos
  • Weight
  • Height
  • Birth City
  • Birth State of Country
  • First ID
  • Second ID
  • ID Issue Date
  • ID Photo
  • FFL Number
  • Tax Exempt Number
  • Employer
  • Occupation
  • Home Address
  • Work Address
  • Language
  • Personal ID Number
  • Referral Source

Any or all of these can be selected to be required or shown on the customer and/or vendor list.

Services and Fees

The services and Fees tab allows you to add fees that can be charged during the transaction.

 

New fees can be added by clicking Edit and then Add.  You will see the following configuration window.

 

The Default Amount can be modified at the time of transaction.

The General Ledger account determines which account is credited or debited for the fee.

Tax Group determines if the fee is taxable or not.

Tills

On the Tills tab, tills can be added or modified.

 

There are six types of tills in Bravo:

 

  • Global Till
    • A shared cash drawer accessible by any employee from any workstation, allowing multiple employees and workstations to use it simultaneously.
  • Employee Global till
    • Each employee has their own till, but they can use any workstation. The money from transactions is linked to the employee.
  • General Till
    • Only one employee at only one workstation can access.
  • Main Till
    • A transaction-friendly safe handles all transactions from a shared safe, acting like a global till without the need to move money between tills and safes.
  • POP Till
    • Till specific to Point of Pawn Transactions only.
  • POS Till
    • Till specific to Point of Sale Transactions only.

In addition to adding a till or changing the till type, a till can be given an Alias.

Till modifications can only be made when the status is Closed Repository.  Tills in a status of Open Repository cannot be modified.

Tenders

The Tenders tab allows you to customize which tender types your store will accept in general and which types your store will accept for Pawn transactions.

Changing the Currency from "USA - Dollars" will potentially change the language of Bravo.

 

To accept a tender type, simply select the check box under the Active column.

To accept a tender type for pawn, select the check box under the Accept for Pawn column

Tenders can have a minimum and maximum amount.

For example, if you have your Visa tender set to a minimum of $5.00, you will not be able to select that tender type for transactions under this amount.

Likewise if you have a maximum tender set.  For example, maybe you don't want to accept a personal check for more than $500.  Setting the max at $500 will limit the dollar value of this tender type acceptable per transaction.

Some tenders also allow a Max Over Tender.  This amount should be set if a customer can get cash back on a transaction involving a credit or debit card.  This can be set to zero.

Tenders can also be set to require a unit count.  This option can be turned on for all options except cash.  For all other tenders, turning this option on will require the associate to enter the physical count of units taken in during the day. (To learn about tracking cash by tender, please click here to learn about Safe Denomination Tracking.)

 

Pawn Ticket

Some stores have pawn tickets that allow for advertising on the right hand side of the ticket.  These ads can be configured on the Pawn Tickets tab.  (If you are not sure if your pawn ticket will support this feature, check with a Bravo tech)

 

To add a custom image, select Edit and then Click Browse to choose an image file from your computer.

Images must be at least 300x750, but cannot be more than 600x1500.  The image must be 2.5 times taller than it is wide. If you click edit and hover your mouse over the image box, the pop-up will appear to remind you of these specifications.

Alternatively, you can choose to show the rate schedule in place of either or both images.

Storage Locations Tab

The storage location tab allows you to assign location names for the warehouse and inventory items.

You need to have configured at least one Warehouse and one Inventory storage location.

You can add as many locations as you need to.

To add a storage location, first determine if it is supposed to be Inventory or Warehouse.

Next click Add.

 

Give the location a name.  If the location is off site, check the off site box.  If the location needs to have a number range, check the box Location Range.

 

This will create a group of locations with the same name and a range of numbers. 

Estimator

The Estimator allows you to set values for Jewelry and General Merchandise based on the current market.  You are able to set rates for Pawn and Buys based on your store's practices.

The Estimator tab is divided into three sub-tabs (Click on each link to learn more):

Estimator Configuration Tab

The Configuration tab allows you to set how items are weighed and measured.  You will also set the values of stones on this tab.

Under Units, select the Weight Unit. 

  • Grams 
  • Pennyweights

Under Units, select the Length Unit

  • Centimeters
  • Inches

Under Diamonds and Stones enter a % markup for Retail, for Pricing and a % of market value to offer for Pawn and for Buy. In addition to the previously mentioned % values, you may adjust a Lab Grown % for diamonds. This value will be used to calculate the estimate of a Lab Grown diamond as a percentage of a Natural diamond estimate. To learn more about Lab Grown diamonds, review the Pawn/Buy Jewelry Item page

A note about Diamond prices in Bravo: Only white diamonds are evaluated under the Diamond tab in the Jewelry Master. 

Metals 

To set the prices of precious metals in Bravo, click on Metals from the Estimator tab in System Configuration.

 

Values in Bravo are set based on metal purity and a percentage of the market value. The prices are updated in Bravo throughout the day, however individual stores can set prices as often or infrequently as they like.

The Metals tab has two distinct sections:

  • Header with information that you can view and change.
  • Metals table where you set prices and define other metals.

HEADER

 

The header displays the following information:

  • Price to Retail Markup displays the markup percentage from the Price listed in the Metals table and what a typical retail price might be.
  • Current Market Values are listed as of date of the last market trade.  The last trade date will show the most recent update to these values.  This does not automatically affect your prices.
  • Value per [unit of measure].  Unit of measure is selected on the Configuration tab, either grams or pennyweights.
  • Last Updated is the date the metals table was last updated by you.
  • Set Values. Allows values to be set based on a percentage of the market and will set prices based on the last trade values in Bravo.

METALS TABLE

 

The metals tab displays the following information:

  • Type - Displays Gold, Silver, Platinum, or Other.
  • Purity - Displays the metal purity or other metal (Titanium, Tungsten, Stainless, Copper)
  • Market - Last updated Market Value per unit of measure.
  • Price - What the store will typically sell each unit of measure for based on Type and Purity.
  • Pawn - Value per unit of Measure for Pawns.
  • Buy - Value per unit of Measure for Buys.

Change the Metal Table

To change the values on the Metal table, click the Edit button at the top.

 

In the Price to Retail field, type a new number or use the up and down arrows to increment the number up or down. (Optional).

 

If your store uses static values for metals, you will want to update each line individually without choosing the Set Values button.

To edit individual lines or metal types, you can change each line.

Under Price, enter the price you would like to charge per unit of measure based on the metal type and purity.

Under Pawn, enter the amount that you would like to pay out on loans per unit of measure based on the metal type and purity.

Under Buy, enter the amount that you would like to pay out on buys per unit of measure based on the metal type and purity.

Click Save. 

 

If your store bases prices on the current market, you will want to use the Set Values button instead.

Click Set Values .

 

 

NOTE - Using SET VALUES will overwrite any previously entered custom values.

The top line represents what the value percentages WILL be once updated.

The bottom line represents where your current values are based on the last market trade.

  • Price is your mark up from the current market value to your store prices. 
  • Pawn is the percentage of the current market value that you would typically loan. 
  • Buy is the percentage of the current market value that you would typically pay out on a buy ticket. 

Set these percentages as necessary, and click OK. 

Clicking OK will update your values to be in line with the last market trade. 

Your values per unit of measure remain static unless you update them for the current market.  

Categories

To set values for general merchandise, click on Categories from the Estimator Tab in System Configuration.

 

These are the percentage calculations of the best price that give the pawn and buy values that are returned in the estimator.

These are top level categories in Bravo. All items under the category will return the same percentage value.

These values can be adjusted up or down to suit the needs of you store.

Once all values are set, click save.

 

Other Estimator Tabs

There are 2 more sub-tabs on the Estimator tab that are paid features.

Calendar

The Calendar tab is just what it sounds like.

 

If your store is set to be closed on Saturdays or Sundays in the Configuration Tab, the calendar, on the first time entering this tab, will request if you want to mark all of these days as closed.

 

To set an individual day to closed, right click on that date.

 

Select Mark Store Closed to mark the date as closed.

 

Date Created: 5/25/2016
Date Updated: 1/8/2025