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Payment reminder messages: 40 texts, WhatsApp messages, emails and call scripts

Copy the payment reminder message you need: a heads-up before the due date, a reminder on the day, a friendly nudge when a payment is late, a firmer note when it's still open and a thank-you when it arrives. There are 40 templates for text, WhatsApp, email and phone calls, written for invoices, rent, tuition, memberships and payment plans. None of them threaten, and every reminder sent on or after the due date tells customers who already paid to ignore it. Add your details once and every template updates. Below the templates: what to include, when to send each reminder, how to stay firm without threatening and which channel to use.

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40 templates

Before the due date

A heads-up a week or a few days ahead. It's the easiest reminder to send and the one customers mind least, because nothing is late yet.

  • One week before, by text

    SMS

    Oakwood Dental: Hi Jordan, a friendly reminder that invoice 1042 for $240.00 is due on Friday, October 16. Pay here: example.com/pay. Reply STOP to opt out.

    Put your business name first, so the customer knows who's texting before they open the message.

  • One week before, by email

    Email

    Subject: Invoice 1042 is due on Friday, October 16 Hi Jordan, This is a friendly reminder that invoice 1042 for $240.00 is due on Friday, October 16. You can pay online here: example.com/pay If you have any questions about the invoice, reply to this email or call us at (312) 555-0142. Thank you, Sam Oakwood Dental

  • Three days before, on WhatsApp

    WhatsApp

    Hi Jordan, this is Oakwood Dental. Just a heads-up: your payment of $240.00 (invoice 1042) is due in three days, on Friday, October 16. You can pay here: example.com/pay. If anything looks off, reply here and we'll sort it out.

  • The day before, by text

    SMS

    Oakwood Dental: Hi Jordan, your payment of $240.00 is due tomorrow, Friday, October 16. Pay online at example.com/pay or call (312) 555-0142 with questions.

  • Automatic payment coming up

    WhatsApp

    Hi Jordan, a quick note from Oakwood Dental: we'll charge $240.00 to the card on file on Friday, October 16 for invoice 1042. There's nothing to do on your end. If you need to update your card, use this link before then: example.com/pay

    Only for customers who signed up for automatic payments.

  • Membership or subscription renewal

    WhatsApp

    Hi Jordan, your Oakwood Dental membership renews on Friday, October 16, and the amount is $240.00. To pay or update your payment method, go to example.com/pay. Reply here if you'd like to make any changes before then.

  • Rent due soon

    WhatsApp

    Hi Jordan, this is Sam from Oakwood Dental. A reminder that rent of $240.00 is due on Friday, October 16. You can pay through example.com/pay. If you expect any trouble paying on time, let me know now so we can talk about it.

    Asking early is kinder than asking late, and it gives you time to agree on a plan.

  • Email to a client's accounts payable team

    Email

    Subject: Upcoming payment: invoice 1042, due Friday, October 16 Hello Jordan, I'm writing to check that invoice 1042 for $240.00, due on Friday, October 16, is in your next payment run. If you need anything from us to process it, such as a W-9 or a PO number, just let me know. The invoice and payment options are here: example.com/pay Thanks, Sam Oakwood Dental

    For business clients: a missing PO number or tax form is a common reason invoices sit unpaid.

On the due date

A short reminder on the day, sent in the morning so there's time to pay. From here on, every message tells customers who already paid to ignore it.

  • Due today, by text

    SMS

    Oakwood Dental: Hi Jordan, your payment of $240.00 for invoice 1042 is due today. Pay here: example.com/pay. If you've already paid, please ignore this message.

  • Due today, on WhatsApp

    WhatsApp

    Good morning, Jordan. A reminder from Oakwood Dental that your payment of $240.00 is due today, Friday, October 16. You can pay here: example.com/pay. If you've already paid, please ignore this message. Thank you!

    Send it in the morning, not at the end of the day.

  • Due today, by email

    Email

    Subject: Payment due today: invoice 1042 Hi Jordan, Just a reminder that invoice 1042 for $240.00 is due today, Friday, October 16. Pay online: example.com/pay If you've already paid, please ignore this message, and thank you. If you have a question about the charge, reply to this email or call (312) 555-0142. Best, Sam Oakwood Dental

  • Automatic payment didn't go through

    WhatsApp

    Hi Jordan, this is Oakwood Dental. We tried to charge $240.00 for invoice 1042 today, but the payment didn't go through. You can update your card or pay another way here: example.com/pay. If you've already paid, please ignore this message.

    Say what happened, not why. The customer's bank decides why a card is declined, and you rarely know.

  • Installment or payment plan due

    WhatsApp

    Hi Jordan, today is the due date for your installment of $240.00 with Oakwood Dental. Pay here: example.com/pay. If you've already paid, please ignore this message. Questions? Reply here or call (312) 555-0142.

  • Tuition or class fees

    WhatsApp

    Hello Jordan, this is a reminder from Oakwood Dental that the tuition payment of $240.00 is due today, Friday, October 16. You can pay online at example.com/pay. If you've already paid, please ignore this message.

  • With every way to pay

    WhatsApp

    Hi Jordan, your payment of $240.00 to Oakwood Dental is due today. You can pay by card at example.com/pay, by bank transfer with the details on your invoice, or by calling (312) 555-0142. If you've already paid, please ignore this message.

    List only the payment methods you actually accept.

  • Short text

    SMS

    Oakwood Dental: $240.00 is due today. Pay at example.com/pay or call (312) 555-0142. If you've already paid, please ignore this message.

Overdue, friendly

The first days after the due date. Assume it slipped through the cracks, make paying easy and leave room for the customer to tell you about a problem.

  • One day late, by text

    SMS

    Oakwood Dental: Jordan, we haven't received $240.00 (due Friday, October 16). Pay: example.com/pay. Already paid? Please ignore this message.

  • A few days late, on WhatsApp

    WhatsApp

    Hi Jordan, it's Oakwood Dental. Our records show invoice 1042 for $240.00, due on Friday, October 16, is still open. Could you take a look when you have a moment? Here's the link: example.com/pay. If you've already paid, please ignore this message, and thank you.

  • A week late, by email

    Email

    Subject: Friendly reminder: invoice 1042 is past due Hi Jordan, I hope all is well. Invoice 1042 for $240.00 was due on Friday, October 16, and we haven't received the payment yet. You can pay online here: example.com/pay If there's a problem with the invoice, or you need a little more time, reply to this email and let me know. If you've already paid, please ignore this message. Thanks, Sam Oakwood Dental

  • Check that everything's OK

    WhatsApp

    Hi Jordan, this is Sam from Oakwood Dental. I noticed the payment of $240.00 due on Friday, October 16 is still pending, and I wanted to check that everything's OK. If paying the full amount right now is hard, reply here and we'll look at options together. If you've already paid, please ignore this message.

  • Ask whether something's wrong with the invoice

    Email

    Subject: Question about invoice 1042 Hi Jordan, Invoice 1042 for $240.00 was due on Friday, October 16 and is still open. Sometimes that means something on the invoice isn't right, like the amount, the PO number or who it should go to. If so, tell me and I'll send a corrected copy. If everything looks right, you can pay here: example.com/pay. If you've already paid, please ignore this message. Thank you, Sam Oakwood Dental

    Useful with business clients, where an invoice can stall in approval without anyone telling you.

  • Short overdue text

    SMS

    Oakwood Dental: $240.00 past due since Friday, October 16. Pay at example.com/pay or call (312) 555-0142. Already paid? Please ignore this message.

  • Offer to split the payment

    WhatsApp

    Hi Jordan, Oakwood Dental here. The balance of $240.00 from Friday, October 16 is still open. If it helps, we can split it into smaller payments: reply PLAN and we'll send you the options, or pay the full amount here: example.com/pay. If you've already paid, please ignore this message.

    Offer a payment plan only if you're ready to set one up the same day someone replies.

  • After a call nobody answered

    WhatsApp

    Hi Jordan, I tried calling you today from Oakwood Dental about the payment of $240.00 that was due on Friday, October 16. No need to call back if it's easier to reply here. You can also pay at example.com/pay. If you've already paid, please ignore this message.

Overdue, firm

When friendly reminders haven't worked. Firm means clear: the amount, the date it was due, what you need and by when. It never means threats, shaming or pressure through other people.

  • Second notice, by email

    Email

    Subject: Second notice: invoice 1042 is past due Hello Jordan, This is our second notice about invoice 1042 for $240.00, which was due on Friday, October 16. We haven't received the payment or heard from you about it. Please pay by the end of this week at example.com/pay, or reply to let us know when we can expect it. If you've already paid, please ignore this message, and thank you. Regards, Sam Oakwood Dental

  • Ask for a payment date

    WhatsApp

    Hello Jordan. This is Oakwood Dental about the payment of $240.00 that was due on Friday, October 16. It's still open, and we need to settle it. Could you reply with the date you'll make the payment? Link: example.com/pay. If you've already paid, please ignore this message.

    A specific date is easier to follow up on than a vague promise.

  • Firm text

    SMS

    Oakwood Dental: Jordan, invoice 1042 ($240.00) is unpaid since Friday, October 16. Pay at example.com/pay today. Already paid? Please ignore this message.

  • Late fee in your terms, offered as waived

    Email

    Subject: Late fee on invoice 1042 Hello Jordan, Invoice 1042 for $240.00 was due on Friday, October 16. As set out in the payment terms we agreed on, a late fee applies to balances that stay unpaid past the grace period. If you pay by the end of this week at example.com/pay, we'll waive it this time. If you've already paid, please ignore this message. If you'd like to talk it through, call me at (312) 555-0142. Regards, Sam Oakwood Dental

    Mention a late fee only if the customer agreed to it in writing, and offer to waive it only if you will.

  • Last reminder by email

    Email

    Subject: Last email reminder: invoice 1042 Hello Jordan, We've written several times about invoice 1042 for $240.00, which was due on Friday, October 16. This is our last reminder by email: next, Sam will call you to agree on a payment date. If you'd rather sort it out now, pay at example.com/pay or reply with the date you'll pay. If you've already paid, please ignore this message. Regards, Oakwood Dental

    Say what happens next only if it will happen: here, a phone call.

  • Ask them to get in touch today

    WhatsApp

    Hello Jordan, we've written a few times about the $240.00 balance from Friday, October 16 and haven't heard back. Please call (312) 555-0142 or reply here today so we can agree on a payment date that works. If you've already paid, please ignore this message.

  • After a partial payment

    WhatsApp

    Hi Jordan, thank you for your partial payment. A balance of $240.00 on invoice 1042 is still open since Friday, October 16. Please pay it at example.com/pay or reply with the date you plan to. If you've already paid the rest, please ignore this message.

    Fill in the remaining balance, not the original amount.

  • After a missed payment promise

    WhatsApp

    Hello Jordan, on our last call you mentioned you'd pay $240.00 by Friday, October 16, and we haven't received it yet. Please make the payment at example.com/pay or send us a new date today. If you've already paid, please ignore this message.

    Use the date the customer gave you on the call as the due date.

Payment received

A thank-you closes the loop, confirms the account is up to date and makes the next reminder easier to receive.

  • Thank-you text

    SMS

    Oakwood Dental: Thanks, Jordan! We received your payment of $240.00 for invoice 1042. No further action is needed.

  • Thank-you on WhatsApp

    WhatsApp

    Hi Jordan, thank you! Your payment of $240.00 to Oakwood Dental came through, and invoice 1042 is now paid in full. We'll email your receipt.

  • Payment confirmation email

    Email

    Subject: Payment received: invoice 1042 Hi Jordan, This is to confirm that we received your payment of $240.00 for invoice 1042. Your account is up to date. Thank you for your business, Sam Oakwood Dental

  • Thank-you after a late payment

    WhatsApp

    Hi Jordan, we received your payment of $240.00, thank you. We appreciate you getting it sorted. If it ever helps to move a due date, let us know ahead of time and we'll work it out. Oakwood Dental

    No reproach: the payment arrived, and the relationship is what you want to keep.

Call scripts

For the reminders worth a phone call: larger balances, older invoices or customers who don't read messages. Open with who you are, give the facts and agree on a date.

  • Reminder call before the due date

    Phone script

    Hi, may I speak with Jordan? This is Sam calling from Oakwood Dental. I'm calling with a quick reminder that invoice 1042 for $240.00 is due on Friday, October 16. Do you have everything you need to make the payment? If yes: Great. The easiest way is the link in our email, or I can text it to you right after this call. If they have a question: Answer it, or tell them who will call back and when.

  • Friendly call about a late payment

    Phone script

    Hi Jordan, this is Sam from Oakwood Dental. I'm calling about invoice 1042 for $240.00, which was due on Friday, October 16. Our records show it's still open. Does that match what you have? If they already paid: Thank you. Could you tell me the date and how you paid, so I can find it? If not yet: When do you think you can make the payment? I'll note that date, and I can send you the payment link right after this call.

  • When paying is hard for the customer

    Phone script

    Hi Jordan, it's Sam from Oakwood Dental. I'm calling about the $240.00 balance from Friday, October 16. I'm not calling to pressure you. I'd like to find a way to settle it that works for you. Ask: Would it help to split it into smaller payments, or to move the date? Close: So we agree on the new amount and the new date. I'll send that to you in writing today.

    Agree only to what you can put in writing the same day.

  • Voicemail message

    Phone script

    Hi Jordan, this is Sam from Oakwood Dental, calling about invoice 1042. Please call me back at (312) 555-0142 when you have a moment. Thank you, and have a good day.

    Leave the amount and the reason out of a voicemail: someone else may hear it.

What to include in a payment reminder

A good payment reminder answers, in a few lines, everything the customer needs to pay without writing back. When something is missing, the payment waits while they ask.

  • Who's writing: your business name first, especially in a text from a number the customer may not have saved.
  • The amount and what it's for: the invoice or account number, or the service and the month.
  • The due date, with the day of the week: "Friday, October 16" leaves less room for confusion than "the 16th".
  • How to pay: a payment link, or the methods you accept. One link beats a list of options.
  • Who to contact with a question, and how.
  • From the due date on, a line for customers who already paid: "If you've already paid, please ignore this message."

When to send each payment reminder

You don't need every message on this page. A simple sequence covers most invoices, and it should stop the moment the payment arrives.

  • A week before: a friendly heads-up, by email or text.
  • One to three days before: a short reminder with the payment link.
  • On the due date: in the morning, so there's time to pay that day.
  • One to three days after: a friendly note that assumes it slipped through the cracks.
  • A week or two after: a firmer message that asks for a specific payment date.
  • After that: a phone call, not another automated message.
  • Send reminders during business hours, and stop the sequence as soon as the payment arrives.

How to be firm without threatening

Firm reminders work because they're clear, not because they're scary. State the facts, ask for a specific next step and keep the door open for a customer who's struggling. These templates are written for your own customers and your own invoices. If you collect debts on behalf of someone else, or you're a lender, extra rules apply to what you can say, when and how often; check them with a lawyer. This page isn't legal advice.

  • Stick to the facts: the amount, the date it was due and what you need.
  • Ask for a date, not just "payment soon", and follow up on that date.
  • Offer a payment plan or a new date when you can, and say so early.
  • Don't threaten, don't shame, and don't mention consequences you haven't agreed on in writing.
  • Talk only to the customer about their balance: not to family, coworkers or a group chat.
  • Say what happens next only if it will happen, and then do it.

Text, WhatsApp, email or a phone call

Use the channel your customer already uses with you, and keep the same tone across all of them. Most businesses combine two: a written reminder and, for older balances, a call.

  • Text: short and read quickly. Get the customer's agreement to receive texts, put your business name in every message and honor STOP right away.
  • WhatsApp: good for a real conversation about dates and plans. With the WhatsApp Business app you send each reminder by hand. On the WhatsApp Business Platform, a message you start more than 24 hours after the customer's last message must use a template approved by Meta, and Meta charges for those messages.
  • Email: the place for the invoice itself, receipts and business clients' accounts payable teams.
  • Phone call: for larger or older balances, and for customers who don't answer messages. A call settles in a minute what takes days of back-and-forth.
  • Whatever the channel, reply fast when a customer answers: a reminder that nobody reads the replies to does more harm than good.

Automate payment reminder calls with NuTalk

Sending a handful of reminders by hand works fine. When the list is long, NuTalk call campaigns can place the reminder calls for you: an AI agent calls each customer from your script, in English or Spanish, inside the calling hours you set, and logs how each call ended with a recording, transcript and summary. Disputes, payment plans and hard conversations stay with your team.

  • Import the accounts from a CSV, HubSpot or Kommo, or send each one through the campaign webhook or the API. Details you send with a contact, such as the amount and the due date, reach the agent on that call.
  • Set the days, hours, time zone and holidays each campaign may call, and choose which outcomes get another try: no answer, busy, voicemail or a failed call.
  • Add a WhatsApp template step for when nobody answers, with a link to your payment page. You write the template; Meta approves it and charges its own fees.
  • When a customer asks to be called back at a certain time, the agent schedules the callback. When a customer gives a payment date, your team sees it in the transcript and summary.
  • The agent doesn't take card numbers or payments on the call: customers pay through your own link or system.
  • A contact marked do-not-contact is skipped in every campaign. A spoken "stop calling me" is caught only when AI sentiment analysis is on in the campaign's retry settings, so mark those contacts yourself too.
  • Calling rules apply to reminder calls too. United States: AI-voice calls to mobile numbers, business contacts included, and to home lines need prior express consent; marketing calls need it in writing. General information, not legal advice. Talk to your counsel before you launch.
  • Campaign steps can place calls, send WhatsApp templates and email the contact a plain-text message. NuTalk doesn't send text messages (SMS), so keep a tool for those.

Frequently asked questions

How do you write a payment reminder message?

Start with your business name, then give the amount, what it's for, the due date and one easy way to pay, such as a link. Keep it to two or three sentences. For example: "Oakwood Dental: Hi Jordan, a friendly reminder that invoice 1042 for $240.00 is due on Friday, October 16. Pay here: example.com/pay." From the due date on, add "If you've already paid, please ignore this message."

When should you send a payment reminder?

Send a first reminder about a week before the due date, a short one a day or two before and another on the due date itself, in the morning. If the payment is late, follow up after one to three days with a friendly note, then after a week or two with a firmer message that asks for a date. After that, call.

How do you politely remind someone to pay?

Assume good faith. Say the invoice may have slipped through the cracks, give the amount and the due date, include a payment link and offer help if something's wrong with the invoice. Thank them, and tell customers who already paid to ignore the message. Polite doesn't mean vague: the amount and the date should always be there.

What do you say in an overdue payment reminder?

State that the payment is past due, the amount, the original due date and how to pay. Then ask for a specific next step: a payment by a certain day, or a reply with the date they'll pay. Offer to split the balance or move the date if you can. Leave out threats, shaming and consequences the customer never agreed to.

Should I send payment reminders by text, email or WhatsApp?

Use the channel your customer already uses with you. Texts and WhatsApp messages are read quickly and work well for short reminders; email is better for the invoice itself and for business clients. For larger or older balances, a phone call usually settles things faster. Whatever you use, get consent for texts and reply quickly when a customer answers.

What should a payment reminder call sound like?

Short and calm. Say who you are and where you're calling from, give the invoice, the amount and the due date, and ask whether they have what they need to pay. If it's late, ask when they can pay and write that date down. If paying is hard for them, offer a plan and confirm it in writing. On a voicemail, leave only your name, your business and a callback number.

Can NuTalk send payment reminders for me?

NuTalk places reminder calls through its call campaigns, and it can follow up with a WhatsApp template you write or a plain-text email; it doesn't send text messages, so keep a tool for those. NuTalk Call Center, from $599 USD a month through our sales team, covers unlimited AI calls for campaigns, outbound and inbound, on your own PBX or phone system. Connection to your PBX or phone system (SIP) or Zoom Phone is scoped and set up with our team. Fair use applies: we review usage above 5,000 minutes a month per line. NuTalk SMB, at $299 USD a month, calls one contact at a time on your AiBox line. You can also start free with trial credits and no credit card, and call from a NuTalk number on pay per use, where calls and WhatsApp messages use credits and Meta charges its own fees.

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Let an AI agent make the reminder calls

NuTalk call campaigns call your customers from your script, in English and Spanish, inside your calling hours. The agent retries by outcome, can follow up with a WhatsApp template and logs each call with a recording, transcript and summary for your team. Start free with trial credits, no credit card.

Flat plans from $299 USD a month · or start free, pay per use

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