5 Most Effective Email Templates for Chasing Payment

All businesses rely on the cash flow of incoming and outgoing payments. A business with a modest turnaround can grow quickly and be able to maintain a healthy balance for stressful financial situations.

So, when payments are late, the businesses get affected badly. That is why it makes sense when a small business owner gets worried about the cash-flow issues caused by late payments.

Thus it is important for businesses to run behind clients chasing payment that is late.

Chasing Up Late Payers

You must be thinking about when you should consider your clients as ‘Late Payers’ or ‘Bad Payers’.

Well, as per the definition of Late or Bad Payer is a person who is bad at paying money that they owe.

If your clients are always late for sending payments and having overdue invoices, you need to consider them in your late payer’s list.

You can adjust the list based on the follow-ups and according to their pattern of business transactions. Most bad-paying customer is the one who always makes late payments and mostly makes their payments after so many reminders.

If you are already expecting a late payment from a particular customer seeing from the past records or payment behavior, that’s a classic sign of a bad payer. You need to be focused on chasing up late payers from the beginning if you already know their pattern of late paying.

For those tricky customers, we have highlighted some effective ways of getting paid on time and quicker than you used to.

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Effective Ways to Chase Late Invoices

Effective ways to chase late invoices

All small business owners have those few problematic customers on whom their email template reminders don’t work. Maybe their strategy of payment collection doesn’t work or their email template reminders are not that effective.

In this section of the blog, we are going to give you some very effective ways that will make your collecting payment process much quicker and it will be easier for you to chase late invoices.

  • Don’t Be Rude to Chase Your Invoices

    As soon as you become more experienced in your business, you must know that chasing late invoices has become an important part of your payment cycle.

    So, you have to be careful while asking for an invoice due for payment. In the early days, it might look rude to contact a client to ask for late payment.

    Now that you have completed your work, and the client is happy, you don’t need to be rude to state your payment terms while chasing your invoices. They will also understand your concern about receiving the payment.

    By not enduring the payment terms and conditions, it is the customer who is being rude.

  • Clear Payment Terms at Early Stage

    No one likes to talk about payment of an invoice due for payment at the early stage of the project, but setting the client’s expectations at the early stage by discussing your payment terms can help you prevent further payment problems.

    Most companies opt for a 30 days payment term, while some other companies might choose a 60 days payment term. Some companies also ask for an advance payment before starting a project.

    Clearly mentioned payment terms before taking up the project or even before creating an invoice for the client, make the payment collecting process faster.

  • Warn About Interest Charges on Late Payments

    Nowadays, government legislation has been introduced that allows companies to charge up to 8% + the bank base rate on the late payment or on the bounced check. It also allows companies to pass any debt recovery costs onto the customer not paying on time.

    If you are not sure how much interest you should charge, you can set up your own terms as long as you are following the government’s guidelines.

    For example, some people charge 2% interest on the payments made after 30 days and increase 1% if it crosses 60 days.

    Whatever you decide, you should warn your clients about your interest charges on the late payment in advance.

  • Send a Gentle Reminder Letter

    When you are sending a reminder letter for the first time, you need to remember that the initial payment reminder should be gentle in tone and written in a professional way. You can simply write that the payment for the so and so project is now overdue. These simple yet effective words are enough to prompt the payment. If you are not sure about using such content, you can use Payment Reminder Templates.

  • A Polite Call to Chase Payment

    Most of the late-paying clients ignore an email template reminder. So it is better to make a polite phone call to chase the payment, so they won’t ignore your payment request.

    If you don’t get the payment after the first phone call, then you need to make a second call to ask the client if there is an issue at their end or if they are facing any technical issues while making a payment.

    The possibility is that the client might be experiencing some cash crunch and wants some additional time to make a payment. However, talking to the client about the payment-related issues will give you a clear idea of their intentions and help you decide your next step chase the payment.

  • Ask When Would it be Possible

    If you have tried all the above-given options, and the client still doesn’t pay, then you may need to continue chasing them. Don’t take much time to chase for the payment, but make sure that your client knows that you won’t let it go easily.

    If they promise a payment, ask for the payment date of their convenience. Still, if you don’t get the payment you should cease the project until the invoice has been paid.

  • Know Legal Rights for Late Payments

    After taking all the steps, you don’t get the payment, you should start researching your legal rights for the late payment. Before you engage a professional certified debt collector, you might go for a Statutory Demand (A Statutory Demand gives 18 days to resolve the payment-related issues.)

    If that doesn’t happen, the debtor must pay in full within three more days, so a total of 21 days. Once this period is over, you can take further actions to try and get what is owed.

  • Consider Legal Action for Unpaid Invoices

    You may need to consider more drastic actions like taking legal actions against the customer if they ignore all your chasing efforts. Taking legal action might build up pressure on a client and you might get the payment or the response from the client within 28 days.

Professional Payment Reminder Email Templates

Professional payment reminder email templates

Here are the most effective professional email samples that help you get paid on time and help you maintain accuracy throughout the invoicing collection process. This chasing payment email sample will help your client get a clear reminder of the actual amount, name, due date, and the possibility of late payment charges in case they don’t pay immediately.

Invoice Collection email Template


Hello {Client Name},

We hope you are doing fine. This is just a humble reminder that the invoice {Invoice ID} we had sent you on {invoice date} is about to be overdue in 2 days (i.e. on {due date}). Kindly ensure you make the payment before the due date to avoid any late payment fees.

If you have any questions regarding the invoice, feel free to contact us. We’d be more than happy to help you out.

Thank you!

{Your Company’s Name}

Payment Reminder e-mail Template


Hi {Client Name},

I hope you are doing well. This is just to remind you that payment on {Invoice Reference Number}, which we sent you on {Date}, has passed the due date.

I am sure you must be busy, but I would appreciate it if you look over the invoice once again when you get the chance. Please contact me if you have any queries/questions.

Thank you!

{Your Name}

Overdue Invoice email Template


Hi {Client Name},

As per our records, we have not received the payment of {Amount} for {Invoice Reference Number}, which is overdue by 30 days. We would appreciate it if you could make a payment on an urgent basis to avoid late payment charges.

If you have already sent a payment, please disregard this email notice. And if you have lost the invoice, please let me know, we will arrange a new copy for you.

Thank You,

{Your Name}

Chasing Payment email Template


Hi {Your Client Name},

This is the last reminder for the payment due on your {Invoice Reference Number}, the total amount of {Amount}, which we sent on {Date}, is due for the last 60 days. You can make payment using your preferred payment method indicated (i.e. credit cards – credit card charges may apply) in your business invoice as soon as possible to avoid any legal actions.

If you have any questions, you can contact me, I’d be happy to help you out.


{Your Name}

Late Payment Reminder Letter Template


Hello {Your Client Name},

This is to remind you of the payment due on your {Invoice ID}, the total amount of {Amount}, which was issued on {Date}, is due for the last 60 days. Kindly make payment using any available payment method of your convenience (i.e.{your preferred payment gateways}) in your invoice as soon as possible.

If you have any queries, you can contact us. We’d be happy to help you out.


{Your Company’s Name}

How to Prevent Late Payments in the Future?

In the majority of cases, small businesses receive payments on time for the invoice without having any kind of payment reminders or court proceedings.

Sometimes it is easier to prevent late payment for the unpaid invoice by simply talking over the phone and sometimes you can handle a client by just email reminders.

It completely depends on how you and your customer deal in a regular way. It depends on your equation with the client and both of your mutual understanding.

For regular late-paying customers, you need to plan in advance, and if possible try to clear out the terms of payment before starting the new project work.

By following the above, effective ways can prevent the late payment for the unpaid invoice in the future. It will give you the freedom to turn late-paying customers into on-time paying customers.

Frequently Asked Questions
What do you say when chasing payments?

There are various options you can choose while chasing payments. You can simply say the payment is overdue by 10 days or you can say that you missed paying for the invoice (#number) (Project Name). Sometimes you need to use a chase payment email template that is professionally written for chasing overdue invoices.

What does chasing the payment mean?

Chasing the payment means you are requesting the payment the client missed. Business owners usually use payment chasing tactics to receive payments. Some clients ignore paying for the customer invoices due to various reasons, that is why business owners have to face a lot of financial issues.

How do you politely ask for payment?

It is said that you should always be polite to the customer while requesting payment. One of the best ways to politely ask for the payment is that you call a client and genuinely ask for the delayed payment. You can use various email templates that help you politely ask for payment.


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As we know about the loss most business owners have to face. Thus, we discussed how to chase outstanding invoices to help you and provided the most effective email templates.

Furthermore, InvoiceOwl also offers professional invoice templates that will fulfill all your business needs and maintain your branding needs. We have a variety of templates and all the formats that you can tailor according to your business requirement.

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