导读：如何礼貌又专业地催款？
在商务合作中，延迟付款是常见问题。然而，如何用英文撰写一封既不失礼又有效果的付款提醒邮件，是许多非母语者面临的挑战。写得太直接，容易显得咄咄逼人；写得太委婉，又可能被忽略。
本文精心整理了7个实用英文付款提醒邮件模板，涵盖初次提醒、二次跟进、临近截止日等多种场景。每个模板均配有准确中文翻译、重点表达解析和使用建议，帮助你在维护客户关系的同时，高效完成催款任务，同时提升你的商务英语写作能力。
模板一：初次付款提醒（友好提醒）
Subject: Friendly Reminder: Payment Due for Invoice #12345
Dear Mr. Smith,
I hope this message finds you well. I’m writing to kindly remind you that payment for Invoice #12345, amounting to $1,200, was due on May 1st, 2024. We haven’t yet received the payment, and we’d appreciate it if you could confirm when we can expect it.
Please let us know if you’ve already made the payment or if there’s any issue on your end.
Thank you for your attention, and we look forward to your reply.
Best regards,
Lisa Chen
中文翻译：
主题：友好提醒：发票#12345的款项已到期
尊敬的史密斯先生：
希望您一切安好。我写这封邮件是想温馨提醒您，发票#12345的款项（共计1,200美元）已于2024年5月1日到期。我们尚未收到付款，烦请您确认预计何时可以完成支付。
如您已付款，或您那边有任何问题，请随时告知。
感谢您的关注，期待您的回复。
此致问候，
Lisa Chen
点评与重点：
• “I hope this message finds you well”：经典开场白，体现礼貌与关怀。
• “kindly remind”：比“remind”更柔和，适合初次提醒。
• “we’d appreciate it if...”：委婉表达请求，避免命令语气。
• 重点句型：“haven’t yet received” 比“you haven’t paid”更中性，减少指责感。
模板二：二次跟进（语气稍强）
Subject: Follow-up: Overdue Payment for Invoice #12345
Dear Mr. Smith,
I’m following up on our previous email regarding Invoice #12345, which remains unpaid as of today. The amount of $1,200 was due on May 1st, and we’re now 10 days past the due date.
Could you please provide an update on the payment status? We’d appreciate it if the balance could be settled by May 15th to avoid any further delays.
Thank you for your prompt attention to this matter.
Best regards,
Lisa Chen
中文翻译：
主题：跟进提醒：发票#12345的逾期付款
尊敬的史密斯先生：
我在此跟进我们之前关于发票#12345的邮件，截至目前该款项仍未支付。1,200美元的金额原定于5月1日支付，现已逾期10天。
请您告知当前付款进度。为避免进一步延误，烦请于5月15日前结清余额。
感谢您对此事的及时关注。
此致问候，
Lisa Chen
点评与重点：
• “remains unpaid”：客观陈述事实，不带情绪。
• “we’re now 10 days past the due date”：明确指出逾期天数，增强紧迫感。
• “Could you please...”：礼貌提问，比直接要求更易接受。
• 提出明确截止日（by May 15th），有助于推动行动。
模板三：临近付款截止日提醒
Subject: Payment Due Tomorrow – Invoice #12345
Dear Mr. Smith,
This is a quick reminder that payment for Invoice #12345 ($1,200) is due tomorrow, May 1st. We kindly ask that you complete the payment by the end of the day to avoid any late fees.
If you’ve already sent the payment, please disregard this message. Otherwise, we appreciate your immediate attention.
Thank you for your cooperation.
Best regards,
Lisa Chen
中文翻译：
主题：付款将于明日到期——发票#12345
尊敬的史密斯先生：
特此提醒，发票#12345（1,200美元）的付款将于明日（5月1日）到期。为避免产生滞纳金，请您务必在今日内完成支付。
如您已付款，请忽略此邮件。否则，敬请立即处理。
感谢您的配合。
此致问候，
Lisa Chen
点评与重点：
• “This is a quick reminder”：简洁开场，适合临近截止日。
• “to avoid any late fees”：提供不付款的后果，增强动机。
• “please disregard this message”：体现专业与体贴，避免重复沟通。
• 使用“immediate attention”强调紧迫性，但语气仍保持礼貌。
模板四：已付款但金额不符
Subject: Partial Payment Received – Outstanding Balance for Invoice #12345
Dear Mr. Smith,
Thank you for your payment of $800 received on April 25th. However, we note that the full amount of $1,200 for Invoice #12345 is still outstanding.
We kindly request that the remaining balance of $400 be settled by May 5th. Please let us know if there was a reason for the partial payment.
We appreciate your cooperation in resolving this matter.
Best regards,
Lisa Chen
中文翻译：
主题：已收到部分付款——发票#12345尚有余额未结清
尊敬的史密斯先生：
感谢您于4月25日支付的800美元。但我们注意到，发票#12345的全额1,200美元仍有部分未付。
烦请您于5月5日前结清剩余的400美元。如您有部分付款的原因，也请告知我们。
感谢您在解决此事上的配合。
此致问候，
Lisa Chen
点评与重点：
• 先表达感谢（Thank you for your payment），建立积极氛围。
• “we note that...”：客观指出问题，避免指责。
• “kindly request”：保持礼貌的同时提出要求。
• 主动询问原因，体现理解与沟通意愿，有助于维护客户关系。
模板五：长期未付款（正式语气）
Subject: Urgent: Overdue Payment – Invoice #12345 (30+ Days)
Dear Mr. Smith,
We are writing to inform you that Invoice #12345 for $1,200 remains unpaid, now over 30 days past the due date. Despite our previous reminders, we have not received payment or any communication from your side.
We kindly request that the full amount be settled within the next 7 days. Failure to do so may result in further action, including suspension of services or referral to a collections agency.
Please contact us immediately to discuss this matter.
Sincerely,
Lisa Chen
Finance Manager
中文翻译：
主题：紧急通知：发票#12345逾期付款（已超30天）
尊敬的史密斯先生：
我们特此通知您，发票#12345的1,200美元款项至今未付，已逾期超过30天。尽管我们已多次提醒，但仍未能收到付款或您的任何回复。
我们恳请在7天内结清全部款项。若未能履行，我们将不得不采取进一步措施，包括暂停服务或移交催收机构处理。
请立即与我们联系，商讨此事。
此致，
Lisa Chen
财务经理
点评与重点：
• “We are writing to inform you”：正式开场，表明事态严重。
• “despite our previous reminders”：强调已多次沟通，责任在对方。
• “Failure to do so may result in...”：明确后果，增强威慑力。
• 添加职位（Finance Manager）提升权威性，适合正式催款。
模板六：客户声称已付款
Subject: Confirmation of Payment – Invoice #12345
Dear Mr. Smith,
Thank you for letting us know that you believe the payment for Invoice #12345 has been made. We’ve checked our records and currently show the balance as unpaid.
To help us locate your payment, could you please provide the transaction date, amount, and payment method used? A copy of the remittance advice would also be helpful.
We appreciate your assistance in resolving this discrepancy.
Best regards,
Lisa Chen
中文翻译：
主题：付款确认——发票#12345
尊敬的史密斯先生：
感谢您告知我们您已支付发票#12345的款项。我们已核查账目，目前系统仍显示未付款。
为协助我们查找您的付款记录，烦请您提供交易日期、金额及付款方式。如能附上汇款通知单副本将更有帮助。
感谢您协助解决此差异问题。
此致问候，
Lisa Chen
点评与重点：
• “you believe”：委婉表达客户说法，避免直接否定。
• “currently show the balance as unpaid”：客观陈述系统状态。
• 明确列出所需信息（transaction date, amount, payment method），便于客户快速响应。
• “remittance advice” 是专业术语，指汇款凭证，适合正式沟通。
模板七：长期合作客户（更温和语气）
Subject: A Quick Note About Your Recent Invoice
Dear Mr. Smith,
I hope you’re doing well. I wanted to gently follow up on Invoice #12345, which was due on May 1st. We haven’t seen the payment come through yet.
We understand things can get busy, so just wanted to make sure this didn’t slip through the cracks. Could you please let us know when we can expect it?
As always, thank you for your continued partnership.
Warm regards,
Lisa Chen
中文翻译：
主题：关于您最近发票的一点小提醒
尊敬的史密斯先生：
希望您一切顺利。我想温和地跟进一下5月1日到期的发票#12345，我们尚未收到付款。
我们理解工作繁忙，可能一时疏忽。特此提醒，确保此事未被遗漏。请您告知预计何时可以付款？
一如既往，感谢您持续的合作。
顺致问候，
Lisa Chen
点评与重点：
• “I wanted to gently follow up”：语气极其温和，适合长期客户。
• “we understand things can get busy”：表达同理心，减少对立感。
• “slip through the cracks”：地道习语，意为“被遗漏”，自然且不生硬。
• 结尾强调合作关系（continued partnership），有助于维持良好关系。