Bump

Bump is an AI collections engine for accounts receivable, built to work every overdue invoice through to paid. It is designed as an automated AR collections team that chases payments across email and WhatsApp, reads the replies that come back, tracks promises to pay and payment plans, and escalates on its own, so the cash comes in without the user sending another "just following up" email. The product is built for freelancers, agencies and small businesses in the United States, Europe and India, and positions itself as a way to add a collections function without hiring a collections team. Its central promise is that getting paid runs itself: once set up, Bump handles the chasing, follow-up and escalation that would otherwise sit on an owner's to-do list. Bump exists because late payment is a persistent cash-flow problem for small businesses. According to the product's own framing, one in four invoices to small businesses is paid late — cash the business has already earned but that is stuck. Beyond the money itself, chasing invoices consumes time: Bump states that the average owner burns more than 14 hours a month writing and re-sending payment reminders. The worst part, in Bump's words, is that chasing feels rude when the client is someone you want to keep, so most people simply wait rather than follow up. That combination — real money delayed, hours spent on repetitive reminders, and the emotional awkwardness of pursuing a client relationship — is the gap Bump is designed to close. Instead of relying on willpower and uncomfortable emails, Bump turns invoice follow-up into a repeatable workflow that runs on autopilot within guardrails the user defines. Getting started with Bump begins with connecting invoices. Users can enter invoices manually, import them from a CSV file, or sync them from Stripe, QuickBooks and Xero. Once the invoices are in, Bump tracks what is owed and prioritises which accounts to chase first, so the most important balances get attention before less pressing ones. This step matters because collections only works if the system knows what is outstanding and in what order it should act; Bump centralises that picture instead of leaving the user to remember who owes what. Because the import options include both CSV and direct syncs with accounting and payment platforms, the setup can fit businesses that already run billing through Stripe, QuickBooks or Xero, as well as those that keep invoices in a simpler form. Bump then works every account, channelling outreach through email and WhatsApp. Email is used for polished, on-brand reminders that include a clear pay link, giving the business a professional, traceable record of the request. WhatsApp is used as the channel that gets read in minutes, which Bump describes as essential in India and growing fast in Europe. The product picks the channel that gets a response and keeps the tone human on both. In a sample WhatsApp nudge shown in the content, Bump drafts a message that opens warmly, notes the invoice number and amount, states when the invoice was due and includes a payment link; the sample reply shows the client paying immediately, with the invoice marked paid and nudges stopped automatically. That example illustrates the intended dynamic: a friendly, specific reminder delivered where the client actually replies, followed by automatic de-escalation the moment payment happens. A large part of Bump's work happens after the first message is sent. Bump reads replies, tracks promises to pay and records payment plans so that nobody slips through the cracks. Rather than firing off identical reminders, it escalates progressively — moving from friendly to firm, and from email to WhatsApp — in the user's voice. Tracking a promise to pay means the system knows when a client has said they will pay by a given date and can follow up if that commitment is broken; tracking payment plans means instalment arrangements are remembered rather than forgotten. Escalation provides a structured way to increase pressure without the user drafting each step themselves, and doing it in the user's voice keeps correspondence consistent with how the business normally talks to clients. On autopilot, Bump sends within the guardrails users set, follows up on broken promises, brings only the exceptions to their attention, and stops the second an invoice is paid. That hands-off behaviour is the core of the "set it once, Bump handles the rest" promise: routine chasing happens without intervention, and the user is pulled in only when something genuinely needs a human decision. Control remains with the user at every stage. They can approve the first message to any client before it sends, or flip on full autopilot instead. Bump respects quiet hours, never double-texts, and stops instantly the moment an invoice is paid or a client replies. Together these controls mean the automation does not create a risk of pestering clients: timing and frequency are bounded, and any sign of resolution ends the sequence. Bump is built for three markets out of the box and adapts currency, timing and tone to each. For the United States, it handles USD formatting, includes TCPA and CAN-SPAM opt-out built in, and uses a firm-but-friendly tone. For Europe, it supports multi-currency amounts in euros and pounds, takes a GDPR-first approach to data handling, and leans toward a more formal register. For India, it formats amounts in rupees, times nudges to IST, leads with WhatsApp-first outreach and uses a warm, relationship-led tone. Bump nudges in the client's local business hours, formats money the way the client expects, and respects the rules that matter in each market — details that matter for businesses invoicing clients across borders, where the wrong tone, currency format or send time can undermine an otherwise reasonable reminder. The stated outcomes for users follow directly from those capabilities. Businesses get paid faster because every overdue invoice keeps being worked rather than waiting on the owner's motivation. Owners reclaim hours previously spent writing and re-sending reminders — time Bump quantifies as more than 14 hours a month for the average owner. Cash flow improves as money that has already been earned stops sitting unpaid, and the awkwardness of chasing clients is absorbed by an automated system that escalates politely rather than personally. Bump also reduces the risk of accounts being forgotten: promises to pay and payment plans are tracked, broken promises trigger follow-up, and the sequence only ends when the invoice is actually paid. In short, the product turns collections from an uncomfortable manual chore into a background process. Concrete scenarios described in the content include a freelancer who has finished work and is owed on an overdue invoice; an agency managing several client balances at once, where Bump's prioritisation of who to chase first is useful; and a small business syncing invoices from Stripe, QuickBooks or Xero so the collection process attaches to billing it already does. A typical workflow looks like this: invoices are entered, imported or synced; Bump tracks and prioritises what is owed; it sends an on-brand email or a friendly WhatsApp nudge containing the invoice details and a pay link; the client replies and pays through the link; the invoice is marked paid and nudges stop automatically. When a client says they will pay later, Bump records the promise and follows up if it is broken. For businesses selling into the US, Europe and India, the same flow adapts to local currency formatting, timing and tone, and to WhatsApp-first outreach where that is the norm. Bump is explicitly built for freelancers, agencies and small businesses in the United States, Europe and India. The integrations named in the content are Stripe, QuickBooks and Xero, alongside manual entry and CSV import for invoices. Outreach runs over email and WhatsApp. Pricing is straightforward: Bump is free for up to three clients, and no credit card is required to create a free account. That free tier lets a small operator start using automated collections immediately, while the reference to adding "a collections team, without hiring one" frames the product as a substitute for the cost and overhead of dedicated collections staff. Taken together, Bump is an AI collections engine that takes over the repetitive, awkward work of accounts receivable: connecting invoices, chasing them across email and WhatsApp, reading replies, tracking promises and payment plans, escalating within user-defined guardrails and stopping automatically when payment lands. Its value proposition is simple and clearly stated — getting paid runs itself, so freelancers, agencies and small businesses in the US, Europe and India collect what they have earned without sending another follow-up email.