Payment reminder email templates you can copy

Published November 4, 2026

Knowing what to write is the hardest part of following up. Here are ready-to-use emails, from a gentle heads-up to a firm but polite last reminder. Adjust names, amounts and dates, and keep the tone friendly.

1. Before the due date

Subject: Invoice #1042 is due on Friday, June 14. Hi Laura, a quick reminder that invoice #1042 for $480.00 is due this Friday. You can pay here: [link]. Thanks so much! — Sunrise Bakery

2. On the due date

Subject: Invoice #1042 is due today. Hi Laura, invoice #1042 for $480.00 is due today. If you've already paid, thank you and please ignore this note. Otherwise you can pay here: [link].

3. Three days overdue

Subject: Invoice #1042 — still open. Hi Laura, I don't see a payment for invoice #1042 ($480.00) yet. It may have slipped through, so here's the link again: [link]. Let me know if anything is unclear.

4. Ten days overdue

Subject: Checking in on invoice #1042. Hi Laura, invoice #1042 ($480.00) is now 10 days past due. Is there anything holding it up? If you need to set a new date or split the payment, just reply and we'll work it out.

5. Last friendly reminder

Subject: Invoice #1042 — can we settle this today? Hi Laura, I'd like to get this resolved. Invoice #1042 ($480.00) is still open. Could you confirm today when you'll be able to pay? I'd much rather agree on a plan with you.

Good habits

• Use a clear subject line with the invoice number and the due date.
• Keep one call to action: a single payment link or set of instructions.
• Offer a way out (new date, split payment). It often gets you paid faster than pressure.
• Stay factual and polite. Never threaten; rules on collecting overdue amounts vary by state, so ask an advisor before escalating.
• Say thank you when the payment arrives.

With Cobrix you set these reminders once and they go out automatically, with your name and payment details. Start your free trial.