Skip to content
Payment Reminder Message

Payment Reminder Message: 25 Samples for WhatsApp, SMS and Email

Copy-and-send reminders for every stage, from a friendly note before the due date to a final notice, with polite Hindi and Hinglish versions and a schedule that keeps customers on your side.

Last updated:
Free ForeverBook a Demo

Free Forever • No Credit Card Required

Quick answer

What is a good payment reminder message?

A good payment reminder message is short, polite and complete. It says who you are, names the invoice number, the amount and the due date, gives an easy way to pay such as a UPI ID or a payment link, and adds a line asking the customer to ignore it if they have already paid. For example: Hello Mr Shah, a gentle reminder that invoice 214 for ₹18,500 is due on 15 September. Pay here: [link]. Thank you.
  • 25 samples below, grouped by stage: before due, on the due date, overdue, firm, final and special cases
  • Versions for WhatsApp, SMS and email, including Hindi and Hinglish
  • Send the first reminder before the due date. It makes every later reminder routine

Payment follow-up call scriptsWhatsApp payment reminders

01

What every payment reminder must contain

A reminder has one job: to let the customer pay in the next thirty seconds without having to ask you anything. That needs five facts.

  1. Who is writing. Your name and business. Customers deal with many suppliers.
  2. What for. The invoice or bill number.
  3. How much. The exact amount, or the balance if part has been paid.
  4. When. The due date, and in later messages how many days have passed.
  5. How to pay. A UPI ID, bank details or a payment link.

Add one courtesy line: if you have already paid, please ignore this message. It costs nothing and prevents the most common irritation, which is being chased for something paid yesterday.

A sample payment reminder message with its five parts marked: who is writing, invoice number, amount, due date and how to pay
The five facts in a payment reminder, shown on an example message.
02

When to send: a reminder schedule that works

Adjust the days to your credit terms. What should not change is the order: messages first, a call in the middle, formality last.

WhenChannelToneUse
3 days before dueWhatsApp or emailFriendlySamples 1 to 4
Due dateWhatsApp or SMSNeutralSamples 5 to 7
3 days overdueWhatsApp, then emailPoliteSamples 8 to 11
7 to 10 days overduePhone callCurious, not accusingConfirm the date in writing with sample 19
15 days overdueWhatsApp and emailFirmSamples 12 to 15
30 days overdueCall, then emailFormalSamples 16 and 17

What to say on the call in the middle of that schedule is written out in payment follow-up scripts, and the wider process is in our guide to the collections process for small businesses in India.

Payment reminder schedule: three days before due, on the due date, three days overdue, seven to ten days overdue, fifteen days overdue and thirty days overdue, with channel and tone for each
A reminder schedule from three days before the due date to thirty days after it.
03

Payment reminder messages before the due date (samples 1 to 4)

Friendly and routine. This is the message that makes all the later ones unnecessary for most customers, because it arrives while paying on time is still possible.

Sample 1 · WhatsApp

Friendly, three days before

Hello [Name], this is [Your name] from [Business]. Just a friendly reminder that invoice [number] for ₹[amount] is due on [date]. You can pay by UPI to [UPI ID] or through this link: [link]. Thank you!

Sample 2 · SMS

Short, within one SMS

Dear [Name], invoice [number] of Rs [amount] from [Business] is due on [date]. Pay via UPI [UPI ID] or [link]. Ignore if paid. Thank you.

Sample 3 · Email

Subject: Invoice [number] is due on [date]

Dear [Name], I hope you are well. This is a courtesy reminder that invoice [number] dated [invoice date] for ₹[amount] falls due on [date]. A copy is attached, and our bank details are at the foot of the invoice. If you need anything from us to process it, such as a purchase order reference or a signed copy, please tell me and I will send it today. Regards, [Your name], [Business], [Phone]

Sample 4 · WhatsApp, Hindi

Polite, before the due date

नमस्ते [नाम] जी, [कंपनी] से [आपका नाम]। याद दिलाना था कि बिल नंबर [नंबर] की राशि ₹[राशि] का भुगतान [तारीख] को देय है। आप UPI [UPI ID] या इस लिंक से भुगतान कर सकते हैं: [लिंक]। धन्यवाद।

04

Payment reminder messages for the due date (samples 5 to 7)

Short and neutral. Include the way to pay, and a line for those who have already paid.

Sample 5 · WhatsApp

On the due date

Hello [Name], invoice [number] for ₹[amount] is due today. Here is the payment link for convenience: [link]. If it has already been paid, please ignore this. Thanks, [Your name], [Business].

Sample 6 · SMS

On the due date

Dear [Name], Rs [amount] against invoice [number] is due today to [Business]. Pay: [link]. Ignore if paid.

Sample 7 · Email

Subject: Invoice [number] due today

Dear [Name], a short note to say that invoice [number] for ₹[amount] is due today. You can pay by bank transfer to the account on the invoice or through this link: [link]. Please share the transaction reference once done so that we can update our records. Thank you, [Your name]

05

Polite overdue payment reminder messages (samples 8 to 11)

Assume it was missed. Ask for a date, and offer to fix anything that is holding the payment up, such as a missing purchase order or a query on the bill.

Sample 8 · WhatsApp

Polite, three days overdue

Hello [Name], hope all is well. Invoice [number] for ₹[amount] was due on [date] and is showing as unpaid on our side. It may simply have been missed. Could you check and let me know the expected payment date? Payment link: [link]. Thank you, [Your name].

Sample 9 · SMS

Polite, overdue

Dear [Name], invoice [number] of Rs [amount] from [Business] was due on [date]. Kindly pay via [link] or share the payment date. Ignore if paid.

Sample 10 · Email

Subject: Invoice [number] is now overdue

Dear [Name], our records show that invoice [number] for ₹[amount], due on [date], is still open. If payment has been made, please send me the transaction reference and I will trace it. If something is holding it up, such as a missing document or a query on the bill, tell me and I will sort it out today. Otherwise, could you let me know when we can expect payment? Regards, [Your name]

Sample 11 · WhatsApp, Hinglish

Polite, overdue

Namaste [Name] ji, [Business] se [Your name]. Bill number [number] ka ₹[amount] ka payment [date] ko due tha, abhi tak pending dikh raha hai. Kripya check karke payment ki date bata dein. Payment link: [link]. Agar payment ho chuka hai to is message ko ignore karein. Dhanyavaad.

06

Firm reminders for long-overdue payments (samples 12 to 15)

State how late the invoice is, name a new date and invite a call. Firm does not mean rude: the facts carry the weight, so the wording can stay calm.

Sample 12 · WhatsApp

Firm, fifteen days overdue

Hello [Name], this is my third reminder about invoice [number] for ₹[amount], which was due on [date] and is now [number] days overdue. Please arrange payment by [new date], or call me on [phone] today if there is a problem we need to discuss. Payment link: [link]. [Your name], [Business].

Sample 13 · Email

Subject: Overdue invoice [number], payment required by [date]

Dear [Name], invoice [number] for ₹[amount] was due on [date] and remains unpaid despite our reminders on [dates]. Please make the payment by [new date]. If there is a dispute about the invoice or a difficulty with payment, I would much prefer to hear about it now, so that we can agree a way forward. As per our terms, further orders will be on hold until this invoice is cleared. Regards, [Your name], [Designation]

Sample 14 · SMS

Firm

Dear [Name], invoice [number] of Rs [amount] is [number] days overdue. Please pay by [date] via [link] or call [phone]. [Business]

Sample 15 · WhatsApp

Asking for a date

Hello [Name], I understand payments can get delayed. To plan on our side I need a date. Can you confirm when invoice [number] for ₹[amount] will be paid? Even part payment this week would help. Thank you, [Your name].

07

Final payment reminder before further action (samples 16 and 17)

Describe the next step calmly and only name steps your terms allow. Send this after you have also tried to call, never as the first contact about an overdue invoice.

Sample 16 · Email

Subject: Final reminder for invoice [number]

Dear [Name], this is a final reminder that invoice [number] for ₹[amount], due on [date], is unpaid. We have written on [dates] and called on [date]. Unless payment, or a written payment plan, reaches us by [date], we will have to proceed as set out in our terms, which includes suspending supply and recovering the amount through the appropriate channels. I would prefer to avoid that. Please call me on [phone]. Regards, [Your name], [Designation]

Sample 17 · WhatsApp

Final, short

Hello [Name], this is a final reminder for invoice [number], ₹[amount], due since [date]. Please pay or call me by [date] so that we can avoid putting the account on hold. [Your name], [phone].

08

Reminders for special situations (samples 18 to 25)

Part payments, promised dates, instalments, fees, rent, renewals, advances, and the thank you that most businesses forget to send.

Sample 18 · WhatsApp

Part payment received

Thank you [Name], we have received ₹[amount paid] against invoice [number]. The balance is ₹[balance]. When may we expect it? Payment link for the balance: [link].

Sample 19 · WhatsApp

Promise to pay, date confirmed

Thank you [Name]. Confirming our call today: ₹[amount] against invoice [number] will be paid by [date]. I will check in on that date. [Your name].

Sample 20 · SMS

EMI or instalment due

Dear [Name], your instalment of Rs [amount] for [plan] is due on [date]. Pay via [link] to avoid late charges. [Business]

Sample 21 · WhatsApp

School or coaching fees

Dear parent, the [month or term] fee of ₹[amount] for [student name], [class], is due on [date]. You can pay at the office or through this link: [link]. Please ignore if already paid. [Institute name].

Sample 22 · WhatsApp

Rent

Hello [Name], a reminder that rent of ₹[amount] for [property] for [month] is due on [date]. UPI: [UPI ID]. Please share the screenshot after payment. Thank you.

Sample 23 · Email

Subject: Your [plan] renews on [date]

Dear [Name], your [plan] is due for renewal on [date] at ₹[amount]. To continue without interruption, please pay through this link before that date: [link]. If you would like to change the plan or have questions about the invoice, reply to this email and I will help. Thank you, [Your name]

Sample 24 · WhatsApp

Advance against a proforma invoice

Hello [Name], sharing proforma invoice [number] for ₹[total]. To confirm the order and begin work, the advance of ₹[advance] is payable. Bank details are on the document, or pay here: [link]. Work starts within [number] days of receipt. Thank you, [Your name].

Sample 25 · WhatsApp

Thank you after payment

Thank you [Name], we have received ₹[amount] against invoice [number]. The receipt is attached. We appreciate your prompt payment. [Your name], [Business].

09

Choosing the channel: WhatsApp, SMS or email

WhatsApp

Read fastest, and the customer can reply or pay from the same screen. Use it for the friendly and polite stages. Keep messages under five lines and never send a reminder to a group.

SMS

Reaches customers who are not on WhatsApp or have muted you. Keep it within one message and always include the business name, because the sender ID alone may mean nothing to the customer.

Email

Best for business customers, where the person who pays is not the person you deal with. Attach the invoice every time, put the invoice number in the subject line, and copy the accounts contact.

Phone

The only channel that finds out why. Use it after two unanswered messages, and follow the call with a written confirmation of the date agreed.

10

Rules to know before you automate reminders in India

WhatsApp Business Platform

When a business starts a conversation through the official API, the message has to be a pre-approved template. A reminder about a specific invoice is normally categorised as a utility template. Add a discount, an offer or a line about your next sale and Meta treats it as marketing, which is priced differently. Meta charges per delivered message, with rates that depend on the category and the customer's country. From 1 October 2026 that also covers utility templates sent while a customer service window is open, which were not charged before, so plan on every reminder having a cost. Check Meta's pricing page for the current position, and see our page on WhatsApp payment reminders for how to keep reminders in the utility category.

SMS

Commercial SMS in India is sent through registered sender IDs and registered message templates, with the variable parts, such as name, amount and date, marked in the template. Your SMS provider will register the samples above in that form. Keep the wording factual, since promotional content belongs in a different category.

Consent and courtesy

Message the number the customer gave you for this purpose, during working hours, and stop when asked. A customer who feels harassed pays last.

11

Writing your own: six rules

Facts, not feelings

Invoice number, amount, date. Never we are disappointed.

One message, one request

Do not combine a reminder with a sales offer. It weakens both.

Assume good faith until proved otherwise

Most late payments are forgotten, stuck in approval or waiting for the customer's own customer to pay.

Ask for a date

A question gets a reply. When can we expect it is easier to answer than please pay.

Escalate the channel before the tone

Message, then call, then formal letter. Anger is not a stage.

Say thank you

Sample 25 is the one that gets you paid on time next month.

12

Sending reminders without remembering to

Reminders work when they are routine, and they are only routine when nobody has to remember them. In HelloGrowthCRM overdue balances can trigger automated WhatsApp payment reminders, a payment link can travel in the same message, replies land in a shared inbox, and a follow-up sequence adds SMS, email and a call task when WhatsApp goes quiet. You can draft template wording with the free WhatsApp message template generator, and raise the invoice itself with the GST invoice generator. For advances, see the proforma invoice format. Paid plans start at ₹899 per user per month and there is a free plan. See India pricing.

Challenges we solve

Why payment reminders fail, and the fix

The wording matters less than the habit. These four problems are about how reminders are sent, not what they say.

  • Reminders are sent only when cash is tight, so they arrive late, all at once, and sound desperate.

    Send the first reminder before the due date, as routine. A reminder that goes to every customer at the same stage is never taken personally.Routine, scheduled reminders

  • The message says please pay your dues, with no invoice number, amount or way to pay, so the customer has to call to find out what it is about.

    Every reminder carries five things: who you are, the invoice number, the amount, the due date and how to pay. All 25 samples on this page do.Five facts in every message

  • The tone jumps from silence to threats, and a good customer who simply forgot is offended.

    Move through the stages in order: friendly before the due date, neutral on it, polite after it, firm later. The samples are grouped that way.Tone that escalates in steps

  • Three people remind the same customer on the same day, because nobody can see what the others have sent.

    Keep reminders and replies on the customer record, with one named owner for each overdue invoice.One owner, one history

What you get

Why teams choose HelloGrowthCRM

AI-powered CRM with the features you need to close more deals.

  • Overdue balances can trigger automated WhatsApp reminders, so the first chase does not depend on someone remembering it
  • Messages go out on the official WhatsApp Business API using Meta-approved templates
  • Payment links are sent from the deal record, so the customer can pay from the message itself
  • Every reminder and every reply is saved on the customer's timeline, so anyone who picks up the phone knows what has already been said
  • When the customer replies, the conversation lands in a shared team inbox instead of one person's phone
  • A follow-up sequence adds SMS, email and a call task when WhatsApp goes quiet, and it pauses by itself when the customer replies
  • When a payment arrives through the link, the deal moves stage and the receipt is logged on the timeline
  • The built-in dialer logs the call, its length and its outcome on the same record
  • Follow-up tasks carry a date and an owner, which is where a promised payment date belongs
  • Invoice status is visible on the customer's account, so the person who owns the relationship knows what is overdue
Compare HelloGrowthCRM to HubSpot, Salesforce & more

HelloGrowthCRM by the numbers

$12
per user/month list price — $10/user/mo on annual billing, ₹899/user/mo in India
$0
free forever starter plan — no credit card required
14-day
trial included on paid plans
259+
live integrations, from WhatsApp to Tally and QuickBooks
500+
teams worldwide run their pipeline on HelloGrowthCRM

Frequently Asked Questions

Quick answers on wording, timing and channels for payment reminders.

More CRM guides to explore

Browse related HelloGrowthCRM guides and see how different teams run their pipelines.

Proforma Invoice FormatQuotation FormatQuotation Format in ExcelQuotation Letter FormatEstimate Bill Format

Ready to grow?

Join small businesses that close more deals with HelloGrowthCRM.

Free ForeverView all industries

Free Forever • No Credit Card Required

Take the next step

Free Forever • No Credit Card Required

Start FreeSet up in minutes — no cardWhatsApp UsReplies within minutes+1 607 318-2126Mon–Fri, 9 AM–6 PM ET (6 AM–3 PM PT)

Prefer email? Write to sales@hellogrowthcrm.com