The Personal Property Securities Register is an online register of securities. By registering your security on the PPSR, you are activating your interest in that security so you can enforce it if your counterparty collapses into insolvency. For example, you lend your friend $25k to buy a car. Your friend offers you their car as security for their repayment of the loan. You should register your security in the car otherwise, your friend’s bankruptcy would mean you’re unable to enforce your security for any outstanding money. Australia and New Zealand maintain separate PPSR registries.

PPSR registrations are performed on the Government’s PPSR online portal. Unfortunately, it is not easy to use and has limited functionality, which inevitably leads to registration issues. Australia’s former Small Business Ombudsman Kate Carnell commented that “at the moment PPSR is hard to get right and easy to get wrong”. To improve the user experience, PPSR Cloud was developed as an interface to the PPS Register, ensuring users can perform registrations in a safe, simple and accurate manner. PPSR Cloud is not only for new registrations, its software enables the user to manage all aspects of their PPS registrations, including renewals, amendments and discharges, as well as fantastic search capabilities and plain language reporting.

Incorrectly registering your security can result in an invalid registration; in which case you lose your security on your counterparties insolvency. The severity of the outcome depends on the nature of your registration error, and there are many ways in which registration errors can occur. Unfortunately, there is a very high rate of registration errors and the PPSR has been openly criticised for the ease in which errors can occur and the lack of internal checks. Australia’s former Small Business Ombudsman commented on this very issue: “Put simply – systems and regulations imposed on small businesses by the government need to be easy to get right and hard to get wrong. At the moment, PPSR is hard to get right and easy to get wrong.”

Registering your security on the PPSR is the only way to ensure your assets and securities are protected should your customer become insolvent. You will be able to enforce your claim at the very point in time you really need your security. Registration ‘activates’ your security. Unregistered security is lost on the insolvency of your customer. Register your security or lose it.

The cost of registering your security is not expensive, especially when compared to the loss you could suffer from not registering your security. Registration fees are $10/PPS registration, and this includes the Government charge of $6. Usually, only one registration is required per customer, covering all future transactions with the customer for 7 years. That’s $1.43/customer /year. PPSR Cloud has several plans to suit all users of the PPS Register. For businesses with irregular registration requirements, there is the Standard Plan with a monthly charge of $25.00. For businesses that require regular registrations, there is the Professional Plan with a monthly charge of $75.00. And for businesses with multiple Secured Party Groups and more sophisticated registration management needs, there is the Enterprise Plan.

There are several points in the registration process where mistakes can be made. From failure to make the correct elections, such as Collateral Type and Class to failures in describing whether your Collateral is a PMSI, is Transitional, Controlled or Subordinated, to issues with your Grantor identification, the list goes on and on. PPSR Cloud reduces the risk of failure by using templated registrations. This ensures all your PPS registrations are performed in accordance with your PPS Policy.

Most businesses use the Government registration portal to complete PPS registrations. While it is a functional platform, it is also highly complicated with little to no checking of registration data. PPSR Cloud provides a user interface to the Government PPSR, giving users a very different experience. PPSR Cloud utilises registration templates, ‘locking in’ your registration details and substantially reducing the risk of errors with your registrations. PPSR Cloud ensures simple, safe and accurate PPSR registrations each and every time.

If you only need to perform an occasional PPSR search, there’s no need to create an account—simply use our one-off pay-as-you-go search feature via the PPSR Search link on the home page (motor vehicle searches include a NEVDIS or NZTA report). However, if you plan to create PPSR registrations or conduct multiple transactions per month, you’ll need to sign up for an account by choosing one of our plans.

PPSR Cloud has very advanced search features and plain language search results. PPSR Cloud allows searches across all Collateral Classes. Whether you need to perform just one search, a small number or a very large number of searches, PPSR Cloud’s bulk search capabilities makes life simple, safe and accurate

PPSR Cloud offers a one-off, pay-as-you-go PPSR Search that lets you search without needing to create an account. If you perform a motor vehicle search using the VIN identifier, a comprehensive motor vehicle report is included. To get started, click the **PPSR Search** button at the top of our website. For regular or bulk searches, we recommend signing up for an account, which makes it easy to manage multiple searches.

Consultants—including business advisors, accountants, lawyers, and insolvency practitioners—can use PPSR Cloud to provide PPSR registration and search services for their clients. Once you’re set up as a reseller or broker, you can create sub-accounts for each client under your primary account. You can then either perform transactions on their behalf (managed clients) or allow them to log in and manage their own transactions (unmanaged clients). We also offer wholesale discounts based on transaction volumes.

Yes, we do. We already have resellers who offer PPSR Cloud as a single-sign-on, custom-branded solution that seamlessly integrates with their own platforms.

PPSR Cloud offers a streamlined, business-to-business JSON API for seamless integration with your own systems. Our API encompasses everything from account and user management to PPSR registrations and searches across both the Australian (AFSA) and New Zealand (MBIE) registries—and more. Any transactions performed via the API appear in the PPSR Cloud web application just like manually created transactions, ensuring a consistent experience. Our API is also highly flexible; we can quickly implement additional functionality to accommodate special use cases as needed. Please contact us to discuss your integration requirements.

Yes, PPSR Cloud supports Single Sign-On (SSO) integration with your existing systems. Please contact us to discuss your specific requirements.

PPSR Cloud streamlines how you manage PPSR transactions across both the Australian (AFSA) and New Zealand (MBIE) registries. By providing a unified web interface and robust API, it consolidates the complexity of two separate registry systems into a single, user-friendly platform. Our value-added features include advanced validation, automated monitoring, and proactive alerts—so if a registration or debtor issue arises, you’ll be notified right away and can take timely action. This simplified yet powerful approach not only saves you time and effort but also helps reduce risk and ensures your PPSR processes run smoothly. Additionally, PPSR Cloud automatically maintains a list of your customers, assigning a PPSR Risk profile to each one so you can easily identify which customers need closer monitoring.

PPSR Cloud is hosted on Microsoft Azure, a platform with extensive industry-recognized certifications. Our service is built on the latest Microsoft technologies, follows enterprise architecture best practices and OWASP guidelines, and undergoes regular penetration testing to proactively protect against potential threats. All data is also encrypted at rest, ensuring a high level of security.

PPSR Cloud continuously monitors your registrations and grantor statuses, issuing timely alerts when potential issues arise. It also generates a unique list of customers based on your grantor data and calculates a PPSR risk profile for each. This consolidated customer view ranks clients by risk, making it easy to identify and manage at-risk customers.