Reputoo
24 templates · Invoices, fees, instalments, subscriptions and advances

Friendly Payment Reminder Messages

Most unpaid invoices are not refused — they are forgotten, buried under other messages or waiting for someone to find the link again. A short, polite reminder on WhatsApp, with the amount, the reason and a one-tap way to pay, settles most of them the same day. These templates cover every stage, from a gentle note before the due date to a firm message when a payment is well overdue. Words in double braces are variables your system fills in for each customer.

Reputoo Editorial TeamUpdated October 20266 min read
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Example messages from Friendly Payment Reminder Messages: Hi {{1}}, a friendly reminder that your payment of {{2}} for {{3}} is due on {{4}}. You can pay in a minute here: {{5}}. Thank you! / Hi {{1}}, your payment of {{2}} for {{3}} is due today. Pay here: {{4}}. If you have already paid, please ignore this message. / Hi {{1}}, our records show {{2}} for invoice {{3}} was due on {{4}} and is still open. If it has slipped through, you can pay here: {{5}}. If there is a problem, just reply and we will help.
Three of the templates below, as they look in WhatsApp.
On this page · 10 chapters
  1. 01 · Before the due date (friendly)
  2. 02 · On the due date
  3. 03 · Overdue — first follow-up
  4. 04 · Overdue — firm reminder
  5. 05 · Instalments and EMIs
  6. 06 · Subscriptions, fees and renewals
  7. 07 · Advances and deposits
  8. 08 · After payment (thank you)
  9. 09 · Before you send
  10. 10 · Frequently asked questions
Chapter 01

Before the due date (friendly)

Send two or three days ahead. The tone is helpful, not chasing: you are making it easy to pay on time.

Hi {{1}}, a friendly reminder that your payment of {{2}} for {{3}} is due on {{4}}. You can pay in a minute here: {{5}}. Thank you!
Hello {{1}}, hope you are well. Just a heads-up that invoice {{2}} for {{3}} is due on {{4}}. Pay securely here: {{5}}
Hi {{1}}, your {{2}} fee for {{3}} is due on {{4}}. Pay by UPI, card or net banking here: {{5}}. Reply if you have any questions.
{{1}}, a quick note that {{2}} for your order {{3}} is due on {{4}}. Here is the link whenever you are ready: {{5}}
Chapter 02

On the due date

Short and factual. Mention that it may already be paid — it often is, and it keeps the tone friendly.

Hi {{1}}, your payment of {{2}} for {{3}} is due today. Pay here: {{4}}. If you have already paid, please ignore this message.
Hello {{1}}, today is the due date for invoice {{2}} ({{3}}). You can settle it here: {{4}}. Thank you!
{{1}}, a reminder that your {{2}} instalment of {{3}} is due today. Pay here: {{4}}
Chapter 03

Overdue — first follow-up

A day or two after the due date. Still polite; add the number of days and ask whether something is wrong.

Hi {{1}}, our records show {{2}} for invoice {{3}} was due on {{4}} and is still open. If it has slipped through, you can pay here: {{5}}. If there is a problem, just reply and we will help.
Hello {{1}}, a gentle follow-up on {{2}} for {{3}}, which was due {{4}}. Pay here when you can: {{5}}. If you have already paid, please share the reference and we will update our records.
{{1}}, just checking in on the payment of {{2}} for {{3}}. It was due on {{4}}. Here is the link again: {{5}}
Chapter 04

Overdue — firm reminder

A week or more overdue. Be specific rather than harsh: amount, invoice, days overdue and the date you need it by.

Hi {{1}}, {{2}} against invoice {{3}} is now {{4}} days overdue. Please clear it by {{5}} using this link: {{6}}. Reply if you would like to discuss a payment plan.
Hello {{1}}, this is a reminder that {{2}} for {{3}} remains unpaid since {{4}}. To avoid any interruption to {{5}}, please pay by {{6}}: {{7}}
{{1}}, we have not yet received {{2}} for invoice {{3}}, due on {{4}}. Please settle it by {{5}}: {{6}}. If there is a dispute about the invoice, reply and we will look into it.
Chapter 05

Instalments and EMIs

Remind before each instalment, and show progress — customers pay more readily when they can see how much is left.

Hi {{1}}, instalment {{2}} of {{3}} ({{4}}) for {{5}} is due on {{6}}. Pay here: {{7}}
Hello {{1}}, thank you for your last payment! Your next instalment of {{2}} is due on {{3}}, leaving {{4}} to go. Pay here: {{5}}
{{1}}, a reminder that your {{2}} EMI of {{3}} is due on {{4}}. Pay securely here: {{5}}
Chapter 06

Subscriptions, fees and renewals

Say what continues when they pay — the membership, the classes, the service — and what stops if they do not.

Hi {{1}}, your {{2}} membership renews on {{3}}. Renew for {{4}} here to keep your access: {{5}}
Hello {{1}}, {{2}}'s fees for {{3}} ({{4}}) are due by {{5}}. Pay here: {{6}}
{{1}}, your {{2}} plan ends on {{3}}. Renew now so there is no break in service: {{4}}
Chapter 07

Advances and deposits

For bookings that confirm on payment. Tie the payment to what it secures, and say when the hold expires.

Hi {{1}}, your {{2}} on {{3}} at {{4}} is held for you. Please pay the {{5}} advance to confirm: {{6}}. The slot is held until {{7}}.
Hello {{1}}, to confirm your {{2}} for {{3}}, please pay the deposit of {{4}} here: {{5}}
Chapter 08

After payment (thank you)

Close the loop the moment money arrives. A receipt in the same chat stops "did you get my payment?" messages.

Thank you, {{1}}! We have received {{2}} for {{3}}. Your receipt is attached.
Payment received, {{1}} — thank you. Invoice {{2}} is now marked paid. See you on {{3}}!
Hi {{1}}, thank you for your payment of {{2}}. Your {{3}} is confirmed for {{4}}.
Chapter 09

Before you send

  • Always include the amount, what it is for and a payment link. A reminder that makes the customer ask "for what?" or "how do I pay?" just delays the payment.
  • Assume it was missed, not refused. "If you have already paid, please ignore this" keeps the relationship intact and costs nothing.
  • Payment reminders are Utility templates on the WhatsApp Business API — they relate to something the customer already bought — so they cost less than marketing messages. In India that is ₹0.115 per message on Meta's July 1, 2026 rate card.
  • Never add an offer, a discount on other products or a festival greeting to a payment reminder. Meta re-files it as Marketing, it costs more, and it reads badly.
  • Escalate specificity, not tone. Each later reminder names the days overdue and a date you need it by; none of them threaten.
  • Send at a civil hour and no more than two or three reminders per invoice. Past that, a phone call from a person works better than another message.
  • Thank the customer as soon as the payment lands, with the receipt in the same chat.
Before you send: Always include the amount, what it is for and a payment link. A reminder that makes the customer ask "for what?" or "how do I pay?" just delays the payment. Assume it was missed, not refused. "If you have already paid, please ignore this" keeps the relationship intact and costs nothing. Payment reminders are Utility templates on the WhatsApp Business API — they relate to something the customer already bought — so they cost less than marketing messages. In India that is ₹0.115 per message on Meta's July 1, 2026 rate card. Never add an offer, a discount on other products or a festival greeting to a payment reminder. Meta re-files it as Marketing, it costs more, and it reads badly. Escalate specificity, not tone. Each later reminder names the days overdue and a date you need it by; none of them threaten. Send at a civil hour and no more than two or three reminders per invoice. Past that, a phone call from a person works better than another message. Thank the customer as soon as the payment lands, with the receipt in the same chat.
What makes these work, and where Meta's rules bite.
Chapter 10

Frequently asked questions

How do I write a friendly payment reminder message?

Greet the customer by name, say what the payment is for, give the amount and due date, include a link to pay, and add "if you have already paid, please ignore this". Keep it to two or three lines.

How do I remind a customer to pay without being rude?

Be factual and assume the invoice was missed. Name the invoice, amount and date, offer help if there is a problem, and make paying one tap. Firmness comes from specifics — days overdue and a clear deadline — not from tone.

When should I send a payment reminder?

Two or three days before the due date, on the due date, and a day or two after if it is still open. For larger overdue amounts, a firm reminder after a week, then a call.

Can I send payment reminders on WhatsApp automatically?

Yes, on the WhatsApp Business API. Reminders are approved utility templates sent by your system on a schedule; with Reputoo Payment, the link comes from your own gateway and the receipt and invoice follow automatically when the customer pays.

What does a WhatsApp payment reminder cost?

On the WhatsApp Business API it is a utility message — ₹0.115 per delivered message in India on Meta's July 1, 2026 rate card, before GST. The free WhatsApp Business app does not charge, but cannot send reminders automatically.

Should I include a UPI ID or a payment link?

A payment link. It carries the amount and reason, offers UPI, cards and net banking, and tells you automatically when it is paid — no screenshots to check.

Written by Reputoo Editorial Team. Ready-to-use WhatsApp messages, written to pass Meta’s template review and read like a person wrote them.

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