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10 Effective payment reminder email template examples for 2025

  • Published : January 31, 2025
  • Last Updated : January 31, 2025
  • 1.2K Views
  • 7 Min Read

Are you struggling to get timely payments from your clients or customers? A well-crafted payment reminder email can make all the difference!

Whether you’re dealing with overdue invoices, subscription renewals, or upcoming fee payment, these 10 effective templates will help you ensure payments are made on time—without sounding pushy or intrusive.

payment reminder emails, payment reminder email templates

What is a payment reminder email?

A payment reminder email is a professional yet polite message sent to customers in order to remind them about an upcoming, overdue, or missed payment. These types of transactional emails are sent to:

✅ Maintain cash flow

✅ Reduce late payments

✅ Keep customers aware of the payment

When do customers find payment reminder emails useful?

Payment reminder emails are used for different scenarios. They include:

  • Overdue payment reminders
  • Subscription renewal payment reminders (digital)
  • Insurance renewal payment reminders
  • EMI payment reminders
  • Credit card payment reminders
  • Loan repayment reminders
  • Utility bill payment reminders
  • Educational fee payment reminders
  • Tax payment reminders
  • Travel booking payment reminders

10 Ready-to-use payment reminder email templates for every scenario

1. Overdue payment reminder email template

Craft your email in a polite yet firm tone, possibly highlighting late fees and the consequences. Usually, overdue emails are sent when the payment is overdue beyond the grace period.

Subject line ideas

  1. Action required: Your payment is overdue!
  2. Immediate attention needed: Payment past due

Dear {{Customer name}},

We hope this message finds you well. Our records indicate that your payment of {{Amount}} for {{Invoice/Service}} is overdue as of {{Due date}}.

Please make the payment at your earliest convenience to avoid any additional charges. Click below to pay now:

CTA: {{Pay Now}}

Regards,
{{Your business}}

2. Subscription renewal payment reminder email

Subscription renewal payment reminder can include the renewal date and any updates to subscription terms. This email can be sent ahead of a subscription payment due date.

Subject line ideas

  1. Don’t lose {{service}} access – Renew your subscription!
  2. We would love to have you back – Pay and renew now!

Hey there {{Customer name}},

Hope everything is well with you. Your subscription for {{Service/Product}} is set to expire on {{Renewal date}}. Renew now to continue enjoying uninterrupted access to {{Service/product}}.

CTA: {{Renew Subscription}}

Reach out to us at {{support@abc.com}} if you have any questions or suggestions to improve our service.

Thank you for choosing us,
Team {{service/product name}}

3. Insurance renewal payment reminder

Insurance renewal payment reminder emails are used in different sectors like healthcare, automobile, housing, disaster, or travel. These emails should include the importance of renewing it and should be sent a week before the due date.

Subject line ideas

  1. Act now: Renew your {{company's name}} insurance policy
  2. Protect yourself: Renew your policy before {{due date}}

Dear {{customer name}},

We hope this message finds you well. This is a friendly reminder that your {{Insurance type}} policy, {{Policy Number}}, is set to expire on {{Expiration Date}}. 

To continue enjoying uninterrupted coverage, please renew your policy by {{Due Date}}.

CTA: {{Renew Now}}

Thank you for trusting {{Insurance Provider Name}} with your insurance needs. For assistance, contact us at {{support@abc.com}}.

Best regards,
{{Insurance provider name}}

4. EMI payment reminder

EMI payment reminder emails are sent to those who fail to pay their monthly EMI payment right on time. This email should be sent only if the customer fails to pay the EMI within a stipulated interval.

Subject line ideas

  1. Reminder: Your EMI payment is due soon
  2. Avoid late fees: Pay your EMI before {{date}}

Dear {{customer name}},

We hope this message finds you well. This is a gentle reminder that your EMI payment of {{Amount}} for your {{Product name}} is due on {{Due date}}.

To ensure a smooth process and avoid late payment charges, please complete your payment by the due date.

You can make your payment quickly and securely using the link below:

CTA: {{Pay Now}}

Contact {{support}} for any further clarification.

Thank you for your time,
{{Your business name}}

5. Credit card payment reminder

Credit cards have become a need in the digital world, so have credit card payment reminder emails. This email is sent to customers to remind them of the amount spent using the credit card. This is sent by banks when a customer's payment is due. Every bank should have a clear and professional credit card payment reminder email template to tackle owed balances professionally.

Subject line ideas

  1. Payment due: Your credit card statement
  2. Reminder: Pay your credit card bill before it’s late

Dear {{Cardholder Name}},

We hope you are doing well. This is a friendly reminder that your credit card payment of {{Amount}} is due by {{Due Date}}.

To avoid late fees and interest charges, please ensure your payment is made on or before the due date.

Payment summary:

Account number: {{XXXX-XXXX-XXXX-1234}}

Statement period: {{Start Date}} to {{End Date}}

Total amount due: {{XXXX}}

Minimum payment due: {{Minimum Payment Amount}}

Due date: {{Due Date}}

You can make your payment quickly and securely using the link below:

CTA: {{Pay Now}}

If you’ve already made your payment, kindly disregard this message. For any questions or assistance, please contact our support team at {{abc@support.com}} or visit {{Website Link}}.

Thank you for choosing {{Your bank name}}.

Best regards,
{{Your bank name}}

6. Loan repayment reminder

Many banks send loan repayment reminders, a type of transactional email to remind customers of the loan amount that is to be paid for the month. These emails are sent by banks so the customer is aware that their loan payment is due by a stipulated time. When it is close to the due date, these emails are triggered.

Subject line ideas

  1. Your loan payment is due – Complete it today!
  2. Loan payment due on {{Date}}

Dear {{customer name}},

Hope you are having a great day. This is a gentle reminder that your upcoming loan payment is due on {{due date}}. Please fine the payment details attached below.

Payment details

Loan account number: xxxxxxxxxxxxx
Amount due: xxxx
Due date: {{DD-MM-YY}}

CTA: {{Repay Now}}

We kindly request you make the payment by the due date to avoid any late fees or penalties.

Reach out to us at {{support@abc.com}} if you have any inquiries.

Regards,
{{bank name}}

7. Utility bill payment reminder

Utility bills can be anything you pay for your daily needs. It could be your electricity bill, water bill, gas bill, phone bill, or internet bill. These are payment reminders with which you can attach the invoice. This can be sent to users before the due date to remind them of the bill and the amount to be paid. You can also mention the consequences of delayed payments in this email.

Subject line ideas

  1. Your {{Utility type}} bill is due soon - Pay now
  2. Payment reminder: Your {{Utility type}} bill payment is due!

Dear {{Customer Name}},

We hope this message finds you well. This is a friendly reminder that your {{utility}} bill for {{Billing Period}} is due on {{Due Date}}.

Bill summary

Account number: {{xxxxxxxxxx}}
Billing period: {{Start date}} – {{End date}}
Amount due: {{Amount}}
Due date: {{DD-MM-YY}}

To avoid late fees or service interruptions, please make your payment by the due date.

You can pay conveniently using the link below:

CTA: {{Pay Bill}}

If you have any questions or need assistance, feel free to contact us at {{Contact Information}} or visit {{Website Link}}.

Thank you for choosing {{Utility provider name}}.

Best regards,
{{Utility Provider Name}}

8. Educational fee payment reminder

Payment reminder emails are helpful in the educational sector as well. When a student fails to pay an educational fee, like tuition, payment reminders can be sent to them and remind them of what they owe. Additionally, you can mention the consequences of late fee payments in your educational fee payment reminder email template.

Subject line ideas

{{Student ID}} Payment due: Pay your tuition fee

Last reminder: Your tuition fee is due. Pay now!

Dear {{Student/Parent name}},

Hope things are well with you. Please note that your tuition fee of {{Amount}} for {{Term/Semester}} is due on {{Date}}.

Fee details

Student name: {{name}}
Student ID number: xxxxxx
Fee amount: xxxxxx
Due date: {{DD-MM-YY}}

To avoid any late fees or risk being barred from examinations, we kindly request you complete the payment by the due date. You can make the payment quickly and securely using the link below.

CTA: {{Pay Now}}

For any questions or assistance, feel free to contact us at {{xyz@support.com}} or visit {{Website link}}.

Best regards,
{{Institution name}}

9. Tax payment reminder

Tax payment reminder emails ensure taxpayers meet deadlines, avoiding penalties and accrued interest. They help improve compliance with tax regulations and prevent legal consequences. Keep these tax payment reminder email templates professional and polite. They can be sent in a series over a month.

Subject line ideas

  1. Reminder: Tax payment deadline on {{Date}}
  2. Avoid penalties: Pay your taxes before {{Date}}

Dear {{Recipient Name}},

We hope this message finds you well. This is a friendly reminder that your tax payment for {{Tax period/year}} is due on {{Due date}}.

Payment details

Tax type: {{Tax type/Category}}
Amount due: {{Amount}}
Due date: {{DD-MM-YY}}

Timely payment is essential to avoid penalties and ensure compliance with tax regulations. Kindly make your payment promptly using the link below:

CTA: {{Make Payment}}

If you have any questions or need assistance, feel free to reach out to us at {{support@xyz.com}} or visit {{website}}.

Regards,
{{Tax authority/Organization name}}

10. Travel booking payment reminder

Travel booking payment reminder emails are crucial to ensure timely payments to prevent booking cancellations and secure travel plans. They help customers keep track of deadlines and avoid last-minute disruptions. Additionally, your travel booking payment reminder email template should enhance the overall customer experience.

Subject line ideas

  1. Secure your travel plans: Complete the payment today
  2. Reminder: Payment for your trip to {{Destination}}

Dear {{Customer name}},

We hope you’re excited about your upcoming trip! This is a friendly reminder that the payment for your travel booking {{Booking ID}} is due on {{Due date}}.

Booking details
Destination: {{Selected destination}}
Booking ID: {{Customer booking ID}}
Amount due: {{Amount}}
Due date: {{Due date}}

To confirm your booking and avoid cancellation, please complete your payment by the due date. You can pay securely using the link below.

CTA: {{Pay Now}}

For any inquiries or assistance, feel free to contact us at {{support@trip.com}} or visit {{Website link}}.

Thank you for choosing {{Travel agency name}}. We look forward to helping you plan your next perfect trip!

Best regards,
{{Travel Agency Name}}

Wrapping up

We hope this article gave you a glimpse into how payment reminder emails are used in different sectors, and that the template examples show you how to write effective payment reminders for your customers. As you run your business in 2025, you can use the above examples to craft clear, professional, and actionable payment reminder emails and maintain cash flow while fostering positive relationships for your business.

Just like the email crafting, email deliverability is equally important. These payment reminder emails come under transactional emails, which are data and time sensitive ones. Whether you use a template or not, it's advisable to use a dedicated service like Zoho ZeptoMail to ensure important transactional emails are delivered quickly and securely to recipients' inboxes.

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