Mobile messaging in Bravo
Your customer starts the conversation in MobilePawn or the Buya App. Your team replies directly in the Bravo dashboard. Chat is free with both apps; Shopkeeper is not required.
MobilePawn
Your Store, in Your Customer's Pocket.
White-labeled for your brand, on iOS and Android. Your customers stay connected to your store without tying up your counter or your staff. No phone calls, no missed due dates, just faster cash flow and a smoother experience for everyone.
Payments, free automatic reminders, in-app chat, photo submissions, inventory browsing, rewards, push promotions, all from their phone. All synced to Bravo.
The app that pays for itself.
120%More Transactions by App Users (2025)
89%More Loans Written by App Shops
10M+Free Reminder Texts Sent (2025)
Two Minute Tour
See MobilePawn in Action.
A quick walkthrough of what your customers see and what it does for your store: loan payments from the couch, photo-based offers, and live chat with your counter.
Featuring Pawn Stars' Rick Harrison
The World's Most Famous Pawnbroker, on MobilePawn.
Watch Rick Harrison walk through MobilePawn, the white-labeled app that puts your store in your customer's pocket. Loan payments, offers, and live chat, all without tying up your counter or your staff.
Same app. Your store's name on it.
While You Were Closed
Your Counter Closes. The App Doesn't.
Forty-eight seconds on what happens after you lock up: payments made from bed, reminders that send themselves, and receipts waiting on the printer in the morning.
Verified Results
The Numbers Behind the App. Verified.
These are measured results from real Bravo shops, not projections. Shops that turn MobilePawn on write more loans, capture more service charges, and move inventory faster than shops that don't.
120%
more transactions processed by MobilePawn users than non-users in 2025
1,961
more loans written by MobilePawn shops than non-users in 2025, an 89% increase
65%
of service charges now captured through MobilePawn at Bayou Pawn & Jewelry, a three-shop Bravo customer since 2016. Read the Bayou Pawn story →
10M+
free reminder texts sent in 2025, eliminating an estimated 397,715 phone calls to shops
3–7 pts
faster loan balance growth for app users in every account-size tier, small shops to superstores
Slower
inventory growth for app users in every tier, goods convert to loans and cash instead of piling up on the shelf
Everything in the App
One App. Eleven Ways It Works for Your Shop.
MobilePawn is one consumer-facing app, fully integrated with Bravo point of sale, eCommerce, and loan management. Not a bolt-on third-party tool.
Balances & Due Dates
Customers open the app anytime to see active loans and layaways, balances, and due dates. No more "when is my loan due?" phone calls tying up your counter.
Loan & Layaway Payments
Payments made from the couch flow straight into Bravo. A payment made at 9pm on a Sunday is a payment that didn't slip into default. App users processed 120% more transactions in 2025.
Free Automatic Reminders
Preconfigured, free SMS and push reminders fire on their own: 5, 3, and 1 days before a loan is due plus the due date, and 5 and 1 days before a layaway payment. Nobody at the store lifts a finger.
In-App Chat via Shopkeeper
Customers message the store securely from the app; your staff responds through Shopkeeper. Balance and renewal questions move off the phone line into a written, searchable record.
Photo Submissions to Pawn or Sell
Customers send photos and details of an item before walking in, and your team reviews it in Shopkeeper. You get an early look at merchandise before a competitor does.
Browse & Buy Your Inventory
Shopping in the app connects customers to your company-branded website or Buya, so your existing inventory gets a second storefront that's already in their pocket.
Consignment Status
Consignors see whether an item has sold or a consignment has expired right in the app, without calling the store for an update.
Wish List
Customers save what they're hunting for and get automatic email matches when qualifying inventory shows up across the Buya network. The technology keeps looking so they don't have to.
Coupons & Push Promotions
Send coupons and offers straight to a phone your customer already checks for their loan balance. Push notifications aren't subject to the same carrier restrictions as SMS.
Bravo Rewards (MobilePawn PLUS)
With MobilePawn PLUS, customers earn points on qualifying transactions and redeem them at checkout, and they track their rewards right in the app. You configure how points are earned.
My Shops
Customers who do business with more than one MobilePawn location manage all of those relationships from one app, switching shops with a tap. One app, every balance.
Customer Experience
Give Your Customers the Convenience They Expect.
Modern consumers expect to manage their accounts, make payments, and shop from their phone. MobilePawn delivers that, while reducing the calls and counter traffic that slow your team down.
Customers view account info, check due dates, make payments, initiate loans, browse inventory, and chat with your staff, all without walking through the door or picking up the phone.
Your store is open 24/7. Your staff is freed up to focus on the customers in front of them.
✓
View Account & Due Dates
No more "when is my loan due?" phone calls
No more "when is my loan due?" phone calls
✓
Make Payments Anytime
Loan and layaway payments from the couch at midnight
Loan and layaway payments from the couch at midnight
✓
Initiate Loans from Home
Snap photos, submit, get approved before visiting
Snap photos, submit, get approved before visiting
✓
Push Notifications
Automated reminders, offers, and reward alerts
Automated reminders, offers, and reward alerts
✓
Store Finder
New app users discover your store by location
New app users discover your store by location
Getting Customers On
Two Ways In. Zero Friction.
Customers don't need a Bravo login before they start. Adoption is built into the transactions your counter already runs.
1
Self-Activation
A customer downloads the app and activates with a valid loan or layaway number. That's it. No prior login, no account setup at the counter.
2
Automatic SMS Invite
Bravo automatically texts an invite when a pawn or layaway is created, so every new transaction recruits an app user. Customers never get a duplicate invite if one already went out in the last 7 days.
MobilePawn vs. MobilePawn PLUS
Same Core App. PLUS Adds Rewards.
Convenience gets customers using the app. Rewards give them another reason to keep choosing your shop over the one down the street.
MobilePawn
The full core experience: balances and due dates, loan and layaway payments, free automatic reminders, shopping, secure messaging, photo submissions, consignment status, Wish List, coupons and push promotions, and My Shops.
MobilePawn PLUS
Everything in MobilePawn, plus the Bravo Rewards program: customers earn points on qualifying transactions and redeem them at checkout. Rewards is enabled at the company level, so every location under your company goes live together.
What Owners Are Saying
The Sound of Nothing.
No ringing phones. No "when is my loan due?" No "can I make a payment over the phone?" Just receipts printing from overnight payments and employees focused on customers.
"My customers appreciate the communication we can have because of the Mobile app. And there's nothing more that I like than coming into the store in the morning and seeing 10 receipts on the printer from payments made overnight."
"We come in to work in the morning, log in to Bravo and the printer just starts printing receipts. Sometimes a receipt will print during the day and it will be a payment being made on Mobile Pawn. Payments are being made on layaways and pawn extensions."
"Imagine this: the sound of nothing. No phone ringing, no 'what time do you close' or 'when is my loan due.' Meanwhile your employees are describing, photographing, and putting product online. Then packaging while the credit card machine whirls softly in the background."
"Our customers love it! They love being able to pay online instead of fighting our town's horrendous traffic. They love the peace of mind knowing when their accounts are due. They love dealing with a company that cared enough to give them a tool to control their own accounts."
Free value calculator
What is MobilePawn worth to your shop?
Enter a few numbers from your store. We will estimate the annual incremental PSC income the app can create, based on real MobilePawn data from 767 shops.
Or run The 9pm Payment, your "While You Were Sleeping" after-hours report →
Your Shop
$
%
%
Model assumptions (editable)
%
%
×
These two payment counts are the figures we defaulted, confirm with your data. "4 vs 1" reflects an app user paying every 30 days for about 4 months while a non-user makes a single payment.
Enter your shop numbers
Fill in your loan balance and assumptions on the left, then calculate to see your estimated annual value.
Annual Value MobilePawn Creates
Incremental PSC income / year
$0
at your current adoption rate
Extended loan life
App users keep paying every 30 days, more PSC cycles before the loan closes vs a one-and-done non-user.
$0
Higher balance carried
App-user loans run a larger average principal, so every PSC cycle accrues on more.
$0
Recovery on defaults
On the share that defaults anyway, app shops recover multiples more PSC, income you would otherwise lose.
$0
Adopting slice today
$0
if they paid like non-users
→
Same slice on MobilePawn
$0
actual PSC captured
What if you grew adoption?
Pushing adoption to 30% would lift annual incremental PSC to $0.
Why the value is there: the MobilePawn mechanism
2.6×
longer loan life (174 vs 67 days)
3.0×
more PSC per redeemed loan ($298 vs $99)
28%
forfeit rate vs 31% in-store
MobilePawn loans stay active 2.6× longer, which is why they generate 3× the PSC, and they forfeit less often, so customers keep redeeming. Source: MobilePawn dataset, 1,392 enabled stores.
Your MobilePawn value is ready
Tell us where to send the full breakdown. We will also email you a copy for your team.
Model logic. Incremental value is computed bottom-up on the adopting slice only. Per loan cycle, an app user generates balance × (1 + lift) × rate × app_payments while that same customer as a non-user would generate balance × rate × non_user_payments. The difference, plus multiplied default recovery on the defaulting share, is the incremental PSC. Figures are illustrative, built on the 767-shop dataset averages; payment counts are editable and should be confirmed against your data.
Already Run Your Shop on Bravo?
You Own the Platform. Close the Gap.
If you're running Bravo without MobilePawn, your point of sale is working but your customers are still calling, still driving over to pay, and still forgetting due dates. Turning MobilePawn on adds the consumer-facing layer to the system you already own.
Start with the two features every customer immediately understands: payments from their phone and free automatic reminders. Everything else, chat, shopping, photo submissions, rewards, builds from there.
Your data, your customers, and your workflows are already in Bravo. Activation is a one-time setup handled with our implementation team, and then the consumer experience runs itself.
✓
No new system to learn
MobilePawn payments and messages flow into the Bravo screens your team already uses
MobilePawn payments and messages flow into the Bravo screens your team already uses
✓
Adoption is automatic
SMS invites go out when a pawn or layaway is created, no extra ask at the counter
SMS invites go out when a pawn or layaway is created, no extra ask at the counter
✓
Reminders cost you nothing
Free SMS and push reminders sent automatically, over 10 million texts in 2025
Free SMS and push reminders sent automatically, over 10 million texts in 2025
✓
Proven with shops like yours
App users show faster loan growth in every account-size tier, small shops to superstores
App users show faster loan growth in every account-size tier, small shops to superstores
Common Questions
What Shop Owners Ask Us.
Will my customers actually download an app?
More than you'd expect, because you don't have to ask them to. Bravo automatically texts an app invite when a pawn or layaway is created, so adoption is built into the transactions you already run, not a separate pitch at the counter. Customers can also self-activate anytime with just a loan or layaway number.
We already send SMS reminders, so what does MobilePawn add?
Reminders are the floor, not the ceiling. MobilePawn adds the things a text can't do: payments from the phone, secure two-way messaging, photo submissions of items to pawn or sell, inventory shopping, coupons, and rewards, all in one app. The reminder tells them a payment is due; the app is where they actually make it.
How complicated is setup?
It's a one-time implementation lift, and our team handles it with you. Once your payment processing, notices, and branding are configured and tested, the consumer experience runs itself. There is no ongoing maintenance burden on your staff.
What if my team and customers aren't very technical?
The customer-facing flow is three steps: download, activate, use. All of the complexity lives in the initial setup, which the Bravo implementation team owns. Your staff keeps working in the same Bravo and Shopkeeper screens they already know.
The App That Pays for Itself.
Higher redemption rates. Fewer defaults. Overnight payments. More sales. White-labeled for your brand. Built into Bravo.
OFFICIAL WALKTHROUGH
Chats in Bravo
Watch how your team replies to customer-started MobilePawn and Buya App chats inside Bravo.
Watch Chats in Bravo on Loom →October Release · Released October 28, 2026
Their app. Your Bravo dashboard.
Stay in the conversation without opening another tool.