Bump

Bump is an AI collections engine for accounts receivable. It is built for freelancers, agencies and small businesses in the United States, Europe and India, and its job is to work every overdue invoice to paid. Instead of an owner writing and re-sending payment reminders by hand, Bump chases across email and WhatsApp, reads replies, tracks promises to pay and payment plans, and escalates on its own. The result Bump describes is that getting paid runs itself, so the cash comes in without sending another "just following up" email. Bump positions itself as an automated AR collections team — like adding a collections team, without hiring one. Late payment is a structural problem for small businesses, and Bump frames the problem in three parts. First, one in four invoices to small businesses is paid late, meaning cash that has already been earned stays stuck. Second, the average owner burns 14+ hours a month writing and re-sending payment reminders. Third, and in Bump's words the worst part, it feels rude to chase clients you want to keep — so most people simply wait. That combination of tied-up cash, wasted hours and reluctance to apply pressure is the gap Bump is designed to close by handling the chasing automatically and consistently. Getting started begins with connecting invoices. Bump allows users to enter invoices directly, import them from a CSV, or sync them from Stripe, QuickBooks and Xero. Once the invoices are in, Bump tracks what is owed and prioritises who to chase first, so the most important outstanding accounts are worked ahead of the rest rather than being handled in whatever order reminders happen to appear. Because Bump can pull from payment and accounting systems a business may already run, the collections workflow sits on top of existing records instead of requiring a separate manual ledger. This first step is described as "set it once" — connecting the invoices once is what allows the rest of the process to run without repeated manual input. Bump meets clients where they actually reply, using two channels. Email carries a polished, professional, on-brand reminder with a clear pay link, which gives the business a paper trail. WhatsApp provides a friendly message for the moments when email gets ignored — Bump describes it as the channel that gets read in minutes, essential in India and growing fast in Europe. Bump picks the channel that gets a response and keeps the tone human on both. The site shows a drafted WhatsApp message asking about invoice #1043, due the previous Friday, with a payment link, followed by the client's reply that it slipped their mind and they are paying now — after which the invoice is marked paid and nudges stop automatically. Bump works every account in the user's voice. It escalates from friendly to firm and from email to WhatsApp, reads replies, and tracks promises to pay and payment plans so nobody slips. Reading replies is what allows Bump to distinguish a genuine commitment from a message that needs more pressure, and tracking promises and payment plans is what keeps an agreed instalment schedule from quietly going unfulfilled. Because the escalation happens within a defined progression rather than as a one-off reminder, an overdue invoice keeps moving forward until it is resolved. Once it is running, Bump collects hands-off. On autopilot it sends within your guardrails, follows up on broken promises, brings you only the exceptions, and stops the second an invoice is paid. Control stays with the user: you can approve the first message to any client before it sends, or flip on full autopilot. Bump respects quiet hours, never double-texts, and stops instantly the moment an invoice is paid or a client replies. That combination of automation and boundaries is what makes the system usable for businesses that do not want an uncontrolled process contacting their customers. Bump is built for three markets out of the box. In the United States it uses USD formatting, has TCPA / CAN-SPAM opt-out built in, and adopts a firm-but-friendly tone. In Europe it supports multi-currency (€ and £), takes a GDPR-first approach to data handling, and uses a formal-leaning tone. In India it formats amounts in ₹, works to IST timing, leads with WhatsApp outreach, and uses a warm, relationship-led tone. Across all three, Bump nudges in your client's local business hours, formats money the way they expect, and respects the rules that matter. The outcomes Bump points to are faster payment and less unpaid work. Chasing runs without the owner writing and re-sending reminders, which addresses the 14+ hours a month the average owner spends on that task. Overdue invoices keep being worked instead of sitting untouched, and because messaging is drafted in the user's voice with a human tone, the follow-up does not have to feel rude to clients the business wants to keep. Exceptions are surfaced rather than everything, so the owner only steps in where a decision is actually needed. Concrete scenarios follow directly from the setup Bump describes. A freelancer can hand over a handful of overdue invoices and let Bump nudge clients across email and WhatsApp. An agency can sync invoices from Stripe, QuickBooks or Xero and let Bump prioritise which client to chase first. A business in India can run WhatsApp-first outreach in IST with rupee formatting, while a European business can handle € and £ invoices with GDPR-first data handling and a more formal tone. Where a client promises to pay later or agrees a payment plan, Bump tracks the commitment and follows up if it is broken — and when payment lands, the nudges stop automatically. Bump is aimed at freelancers, agencies and small businesses in the US, Europe and India. It connects to Stripe, QuickBooks and Xero for invoice data, supports CSV import and manual entry, and reaches clients through email and WhatsApp. Pricing is simple to start: Bump is free for up to 3 clients, with no credit card required, and sign-up is available directly on the site. The Product Hunt listing describes Bump as "your AI collections team for email and WhatsApp" and categorises it under Productivity, Fintech and Artificial Intelligence. Bump's core promise is that accounts receivable collection can run itself. By connecting invoices once and then chasing across email and WhatsApp, reading replies, tracking promises and payment plans, and escalating automatically within the user's guardrails, Bump turns awkward invoice follow-ups into a simple, repeatable workflow — an automated AR collections team that works every overdue invoice to paid.