Payment reminder messages that get customers to pay
Updated 12 November 2026 · 2 min read
Chasing a customer for money feels awkward, so many business owners wait too long. These messages are polite, clear and easy to copy. Pick the one that fits and change the details in brackets.
Before you send a reminder
Send the invoice number and amount, so they do not have to search.
Include your account details again. Do not make them scroll for it.
Stay polite. Most late payment is simply forgetfulness.
Send reminders in the morning, when people are more likely to act.
A gentle reminder (a few days before the due date)
Gentle reminderGood morning [Name], I hope you are well. Just a quick reminder that invoice [INV-0042] for ₦[amount] is due on [date]. You can view it here: [link]. Thank you!
Due today
Due todayHello [Name], a friendly note that invoice [INV-0042] for ₦[amount] is due today. Payment details: [Bank] · [Account name] · [Account number]. Kindly send the proof of payment once done. Thank you for your business.
A few days overdue
OverdueHello [Name], I hope all is well. Our records show invoice [INV-0042] (₦[amount]) was due on [date] and is still open. If you have already paid, please send the details so I can update my records. If not, could you kindly settle it by [date]? Thank you.
Firmer, still polite (a week or more overdue)
Firm reminderHello [Name], I am following up on invoice [INV-0042] for ₦[amount], now [X] days overdue. Please let me know when I can expect payment, or if there is a problem I can help resolve. I would like to settle this by [date].
Final notice
Final noticeDear [Name], this is a final reminder that invoice [INV-0042] for ₦[amount] remains unpaid. Please pay by [date] to avoid [late fee / pause in service / next steps]. If you need to discuss a payment plan, reply today. Thank you.
When you want to offer a payment plan
Payment planHello [Name], I understand things can be tight. If it helps, we can split invoice [INV-0042] into [2/3] parts: ₦[x] by [date], then ₦[y] by [date]. Let me know and I will confirm it in writing.
Make reminders automatic
Typing these by hand every time takes effort. Aurum shows you who still owes you and writes a polite WhatsApp reminder in one tap, with the invoice link already inside.
Questions people ask
How soon should I remind a customer?
A few days before the due date is polite and effective, then on the due date, then a few days after. Do not wait weeks.
Is it rude to remind a customer about payment?
No. A courteous reminder is normal in business, and most customers appreciate it.
Should I charge a late fee?
Only if you agreed it in writing beforehand, for example in your terms. Mention it on the invoice.
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