Bumper

What Bumper does

Bumper International Limited is a UK-based automotive fintech founded in 2016 that provides Buy Now Pay Later (BNPL) and adjacent payment products for car repairs, servicing, parts, and accessories. Its core product, PayLater, splits consumer repair bills into 1-6 interest-free monthly instalments with no setup fees, approved in seconds via an AI-assisted credit decisioning engine; the company does not charge interest to consumers and is authorized and regulated by the UK Financial Conduct Authority (firm reference 1024048). Bumper generates revenue from merchant transaction fees paid by automotive service providers rather than consumer interest.

The company's commercial footprint spans over 5,000 service partners across the UK (94% geographic coverage), including franchise dealerships (Audi, Volvo, MINI, BMW, Land Rover, Nissan), independent garages, body shops, and specialist repairers, and has expanded into Germany, Spain, and the Netherlands. Beyond PayLater, Bumper offers Pay in 30, Pay by Card, Pay by Bank, and a PayPad point-of-sale terminal, and in 2025 launched Bumper Pro, a payments orchestration platform for automotive dealerships. The company is pursuing a dealer-software roll-up strategy, evidenced by the November 2024 acquisition of AutoBI, and has raised cumulative funding of approximately $150M+ from a mix of strategic OEM/corporate investors (Porsche Ventures, Jaguar Land Rover's InMotion Ventures, Suzuki Global Ventures, Marubeni Ventures, Shell Ventures) and financial investors (Autotech Ventures, Revo Capital, Salica). Strategic positioning is that of a vertical BNPL specialist evolving into a broader automotive payments and dealership software platform.

Name

Bumper

Legal name

Bumper International Limited

Website

https://bumper.co.uk

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

101–250 employees

Short description

Bumper International Limited is a UK-based automotive fintech offering interest-free Buy Now Pay Later (PayLater) and adjacent payment products (Pay in 30, Pay by Card, PayPad, Bumper Pro) for car repairs and services. It serves individual drivers through 5,000+ UK and European automotive service partners and is expanding into dealer software via acquisition.

Ownership category

akta.pro rank

Product category

Automotive BNPL / Payments

akta.pro primary industry

In-Store / In-Person BNPL (POS) (FSAKACAB)

akta.pro secondary industries

Buy Now, Pay Later (BNPL) Platforms (BPAMAFAG), Buy Now, Pay Later (BNPL) (CRAFALAD)

Keywords

• Automotive fintech
• Car repair finance
• Buy now pay later
• Interest-free instalments
• Dealership payments

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Others

Revenue model

1. Transaction Fees (Merchant): Bumper charges merchants (dealerships and garages) a transaction fee when customers use Bumper's BNPL service. The company does not charge interest to consumers - they pay nothing more than the repair bill.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels4 records

Core offering

Bumper provides interest-free Buy Now Pay Later (BNPL) financing that lets drivers split car repair, servicing, MOT, parts, and accessory costs into 1–6 monthly instalments with decisions returned in seconds. For automotive businesses, it operates a payment orchestration platform (Bumper Pro) that integrates multiple payment methods—PayLater, Pay in 30, Pay by Card, Pay by Bank, and the PayPad point-of-sale terminal—delivered through a network of 5,000+ UK service partners. The company is FCA-authorised (firm reference 1024048) and operates as Bumper International Limited.

Product overview

Bumper is an automotive payments platform offering a suite of products for both consumers and businesses. The core product is PayLater, an interest-free BNPL solution enabling drivers to split car repair costs over 1-6 months. For business customers, Bumper provides Pay in 30, Pay by Card, Pay by Bank, and PayPad as payment acceptance options, all integrated through the Bumper business platform. Bumper Pro serves as the payments orchestration platform for automotive dealerships. The company connects with over 5,000 service partners including franchise dealerships, independent garages, body shops, and specialist repairers across the UK and Europe.

Differentiator

Problem solved

Functional benefit

Brands

• PayLater: Interest-free monthly payment option for car repairs, services, parts, and accessories over 1-6 months.
• Pay in 30
• Pay by Card
• Pay by Bank
• PayPad
• Bumper Pro

Quantifiable outcome

• Over £1.5bn in GMV processed
• +2 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature3 records

Partnerships

One partnership is on record.

• Bumper Pro Ecosystem PartnerscoreTechnology or IntegrationBumper is developing a comprehensive dealership software platform through acquisitions to enhance automotive payment solutions across Europe.

Scale indicators4 records

Recent moves6 records

Broad incumbents

• Klarna: Global BNPL leader with broad merchant coverage. Overlaps with Bumper on the consumer interest-free instalment model but operates across many verticals rather than specializing in automotive repairs.
• Clearpay (Block): Pay-in-4 BNPL provider operating in the UK and globally under Block (formerly Afterpay). Comparable on interest-free instalment mechanics at POS, but serves general retail and competes for the same merchant relationship context.
• CarFinance 247: UK auto finance broker focused on vehicle purchase loans. Overlaps with Bumper on automotive financing at the consumer level but specializes in car purchase rather than repair and service.
• Zopa: UK digital bank and consumer lender offering credit products including personal loans. Comparable as a UK FCA-regulated alternative lender serving consumer credit needs, though Zopa operates as a broader bank rather than BNPL specialist.

Direct peers

• Zilch: UK-based BNPL platform offering interest-free instalments at point of sale. Directly comparable in geography, business model, and target consumer, though Zilch focuses on general retail rather than automotive repairs.
• Payl8r: UK-based BNPL provider focused on higher-ticket purchases including automotive services and repairs. Closest direct competitor with a near-identical vertical and product structure to Bumper.
• AutoFi: US-based automotive fintech offering payment and financing solutions at the dealership point of sale. Comparable business model targeting dealers and offering consumer finance products for vehicle purchases and F&I.
• DivideBuy: UK BNPL platform offering interest-free credit at online and in-store checkout. Comparable mechanics and UK regulatory environment, though DivideBuy focuses on retail e-commerce rather than automotive.

Emerging players

• SetuServ / Driver Technologies: Automotive-focused fintech and telematics players offering embedded payment or financing experiences for drivers. Comparable on the automotive consumer finance theme but with different product focus.
• Karbon Card: Cross-border fintech providing corporate cards and payment solutions. Comparable as a fintech building orchestration and payment infrastructure for businesses, with partial overlap on the Bumper Pro dealer platform ambitions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/bumperpay
• Facebookfacebook.com/Bumperpay
• LinkedInlinkedin.com/company/bumper-pay

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds16 records

Investors14 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bumper