导读：如何优雅又有效地催款？
在跨境商务或自由职业合作中，最让人头疼的问题之一就是客户迟迟不付款，甚至对提醒邮件也“已读不回”。直接质问显得咄咄逼人，不催又影响现金流。其实，关键在于用礼貌、专业又不失坚定的语气表达诉求。
本文精心整理了7个适用于不同情境的英文催款邮件模板，涵盖初次提醒、二次跟进、语气加强等阶段，每一封都附带精准中文翻译，并通过【点评】划出重点表达，帮助你在维护客户关系的同时，有效推动付款进度，同时提升你的商务英语写作水平。
模板1：初次提醒，温和友好
📤Subject: Gentle Reminder: Invoice #INV-1234 is Due
Dear Mr. Smith,
I hope this message finds you well. I’m writing to kindly remind you that invoice #INV-1234, issued on May 1st, is now due for payment. The total amount is $1,200, and we appreciate your prompt attention to this matter.
Please let me know if you’ve already made the payment or if you need a copy of the invoice. We’re happy to assist.
Thank you for your cooperation.
Best regards,
Emily Chen
📤主题：温馨提醒：发票 #INV-1234 已到期
尊敬的史密斯先生：
希望您一切安好。特此温馨提醒，我们于5月1日开具的发票 #INV-1234 已到期，应付金额为1,200美元，感谢您及时处理。
如您已付款，或需要发票副本，请随时告知，我们将很乐意协助。
感谢您的配合！
此致问候，
陈Emily
✍️【点评】 这是标准的初次提醒邮件。用“Gentle Reminder”和“I hope this message finds you well”营造友好氛围。“kindly remind”比“remind”更礼貌，“prompt attention”是商务中常用表达，委婉催促。适合首次跟进。
模板2：确认是否收到发票
📤Subject: Follow-up: Invoice #INV-1234 – Confirmation of Receipt?
Dear Mr. Smith,
I hope you’re doing well. I’m following up on invoice #INV-1234, which was sent on May 1st and is now overdue by 5 days.
Could you please confirm whether you’ve received the invoice? If not, I’d be happy to resend it. We’d also appreciate it if you could let us know your expected payment date.
Thank you for your understanding.
Best regards,
Emily Chen
📤主题：跟进：发票 #INV-1234 — 是否已收到？
尊敬的史密斯先生：
希望您一切顺利。我们想跟进一下5月1日发出的发票 #INV-1234，目前已逾期5天。
请您确认是否已收到该发票？如未收到，我很乐意重新发送。同时，若您能告知预计付款时间，我们将不胜感激。
感谢您的理解！
此致问候，
陈Emily
✍️【点评】 重点在于“following up”（跟进）和“overdue by 5 days”（逾期5天），既说明事实又不显指责。“Could you please confirm…”是礼貌提问的经典句式。“expected payment date”是催款中关键信息，引导客户给出具体时间。
模板3：强调付款重要性，语气稍强
📤Subject: Urgent: Payment for Invoice #INV-1234 is Overdue
Dear Mr. Smith,
Our records indicate that payment for invoice #INV-1234 (issued May 1st, amount: $1,200) has not yet been received. The invoice is now 10 days past due.
As this payment is important for our cash flow, we kindly request that you settle the amount as soon as possible. Please process the payment by the end of this week to avoid any further delays.
We value your business and appreciate your immediate attention to this matter.
Sincerely,
Emily Chen
📤主题：紧急：发票 #INV-1234 付款已逾期
尊敬的史密斯先生：
根据我们的记录，发票 #INV-1234（5月1日开具，金额：1,200美元）的付款尚未收到，目前已逾期10天。
由于该款项对我们的现金流至关重要，恳请您尽快结清。请于本周末前完成付款，以免造成进一步延误。
我们重视与您的合作，感谢您对此事的立即关注。
此致，
陈Emily
✍️【点评】 使用“Urgent”和“past due”增强紧迫感。“important for our cash flow”解释催款原因，让客户理解并非无理催促。“settle the amount”是“结清款项”的专业表达。“by the end of this week”设定期限，推动行动。
模板4：提供帮助，表达合作意愿
📤Subject: Assistance with Invoice #INV-1234 – Let Us Help
Dear Mr. Smith,
I’m writing to follow up on the outstanding payment for invoice #INV-1234. We understand that unexpected issues can arise, so please let us know if there’s anything we can assist with—whether it’s reissuing the invoice or clarifying the details.
We’d appreciate it if you could confirm your payment status by Friday. Your prompt response will help us keep our records up to date.
Thank you for your cooperation.
Best regards,
Emily Chen
📤主题：关于发票 #INV-1234 的协助 — 我们愿提供帮助
尊敬的史密斯先生：
此邮件旨在跟进发票 #INV-1234 的未付款项。我们理解有时可能会出现意外情况，如您需要我们协助（例如重新开具发票或澄清细节），请随时告知。
烦请于周五前确认您的付款状态。您的及时回复将帮助我们及时更新账目。
感谢您的配合！
此致问候，
陈Emily
✍️【点评】 “outstanding payment”是“未结款项”的标准说法。“unexpected issues can arise”体现同理心，避免对立。“let us know if there’s anything we can assist with”展现合作态度，提升客户好感。适合用于关系维护型催款。
模板5：最后通牒式提醒（语气正式）
📤Subject: Final Notice: Overdue Payment for Invoice #INV-1234
Dear Mr. Smith,
This is a final reminder regarding invoice #INV-1234, which remains unpaid and is now 15 days overdue.
Please be advised that if payment is not received by end of business on Friday, May 17th, we may have no choice but to refer this matter to our collections department or take further action.
We sincerely hope it won’t come to that and look forward to receiving your payment soon.
Sincerely,
Emily Chen
📤主题：最后通知：发票 #INV-1234 逾期未付款
尊敬的史密斯先生：
这是关于发票 #INV-1234 的最后提醒，该发票至今未付，已逾期15天。
特此通知：如在5月17日（周五）营业结束前仍未收到付款，我们可能不得不将此事移交催收部门或采取进一步措施。
我们真诚希望无需走到这一步，并期待尽快收到您的付款。
此致，
陈Emily
✍️【点评】 “Final Notice”明确表示这是最后一次提醒。“Please be advised that…”是正式通知的常用开头。“have no choice but to…”表达无奈，减轻攻击性。“refer to our collections department”是标准法律前置用语，具有威慑力。
模板6：电话沟通后的书面确认
📤Subject: Confirmation of Payment Arrangement – Invoice #INV-1234
Dear Mr. Smith,
Thank you for speaking with me earlier today. As discussed, you’ve agreed to make the payment for invoice #INV-1234 ($1,200) by Wednesday, May 15th.
I’m writing to confirm this arrangement and to thank you for your cooperation. We’ll expect the payment to be completed by the agreed date.
Should there be any changes, please let me know as soon as possible.
Best regards,
Emily Chen
📤主题：付款安排确认 — 发票 #INV-1234
尊敬的史密斯先生：
感谢您今天早些时候的通话。正如我们所讨论，您同意于5月15日（周三）前支付发票 #INV-1234 的1,200美元。
特此邮件确认该安排，并感谢您的配合。我们期待在约定日期前收到付款。
如有任何变动，请尽快告知。
此致问候，
陈Emily
✍️【点评】 “as discussed”强调双方已有共识。“confirm this arrangement”是书面确认的关键表达，具有记录作用。语气积极但明确，适合在电话达成协议后使用，避免客户反悔。
模板7：付款后致谢，维护关系
📤Subject: Thank You for Your Payment – Invoice #INV-1234
Dear Mr. Smith,
Thank you for your payment of $1,200, which we’ve received and processed. Invoice #INV-1234 is now marked as paid in our system.
We truly appreciate your prompt response and continued trust in our services. Please don’t hesitate to reach out if you need further assistance.
Looking forward to working with you again.
Warm regards,
Emily Chen
📤主题：感谢您的付款 — 发票 #INV-1234
尊敬的史密斯先生：
感谢您支付的1,200美元，我们已收到并处理完毕。发票 #INV-1234 已在系统中标记为已付款。
我们衷心感谢您的及时回应以及对我们的持续信任。如需进一步协助，请随时联系我们。
期待再次合作！
此致问候，
陈Emily
✍️【点评】 即使催款成功，也要及时致谢。“received and processed”表明已完成对账。“continued trust”强化客户价值感。“Looking forward to working with you again”为未来合作铺路，是高情商的收尾方式。
总结与学习建议
催款邮件的核心是：礼貌 + 明确 + 有据可依。从初次提醒到最终通牒，语气应逐步加强，但始终维持专业形象。善用“kindly”、“appreciate”、“please”等词软化语气，同时通过设定截止日期和说明后果增强执行力。
学习重点： 掌握“overdue”、“outstanding payment”、“settle the amount”、“final notice”等关键词汇；学习“I hope this message finds you well”、“as discussed”等商务套语；理解如何在不破坏关系的前提下推动客户行动。
多读多练这些模板，不仅能提升回款效率，更能显著增强你的商务英语实战能力。