ChargeBacker

ChargeBacker is a web app (with optional mobile companion) that helps freelancers get paid faster by automating the unglamorous parts of collections—without burning client relationships. It connects to Stripe, PayPal, and bank transfer workflows, then schedules polite, escalating reminders based on invoice status, client history, and contract terms. It generates “nudge” emails, SMS, and client portal messages, and can require a saved payment method for ongoing work. For chronic late payers, it offers a structured path: late-fee notices, work-pause notices, and a handoff package for small-claims or collections (templates + evidence bundle). This is an AI-assisted app (not fully autonomous): AI drafts messages and suggests next steps, but the freelancer approves actions. It’s realistic because it focuses on one painful outcome—cashflow—rather than trying to be an all-in-one freelancer OS.