导读：如何用英文礼貌催款？
在商务沟通中，催款（payment reminder）是常见但容易让人感到尴尬的任务。写得太直接，可能影响客户关系；写得太委婉，又可能被忽略。因此，一封语气得体、结构清晰的英文催款邮件至关重要。
本文精选6个实用英文催款邮件模板，涵盖初次提醒、二次提醒、紧急催款等不同场景，每封邮件均附带精准中文翻译，并通过【点评】和【重点词汇/句型】帮助你掌握表达技巧，提升商务英语写作能力。
模板一：初次温和提醒（首次逾期）
Dear [Client's Name],
I hope this message finds you well. I’m writing to kindly remind you that the payment of $[Amount] for Invoice No. [Invoice Number], due on [Due Date], is now overdue.
Could you please confirm when we can expect the payment? We appreciate your attention to this matter and thank you for your continued cooperation.
Best regards,
[Your Name]
🌟中文翻译：
亲爱的[客户姓名]：
希望您一切安好。我写此邮件是想温馨提醒您，编号为[发票号]、应于[到期日]支付的$[金额]款项现已逾期。
请您确认一下我们何时可以收到付款？感谢您对此事的关注，也感谢您一直以来的合作。
此致问候，
[你的名字]
✅【点评】：这是一封非常礼貌的首次提醒邮件，使用“kindly remind”和“hope this message finds you well”等表达，语气温和，避免指责。
✅【重点词汇/句型】：
• kindly remind：礼貌提醒
• is now overdue：现已逾期
• Could you please confirm…?：委婉请求确认
模板二：二次提醒（语气稍强）
Dear [Client's Name],
I’m following up on my previous email regarding the outstanding payment of $[Amount] for Invoice No. [Invoice Number], which was due on [Due Date].
As we have not yet received the payment, I would appreciate it if you could settle the amount by [New Deadline]. Please let me know if there are any issues on your end.
Thank you for your prompt attention.
Sincerely,
[Your Name]
🌟中文翻译：
亲爱的[客户姓名]：
我在此跟进之前关于发票编号[发票号]、金额为$[金额]（应于[到期日]支付）的未付款项。
由于我们尚未收到付款，烦请您在[新截止日]前完成支付。如您那边有任何问题，请随时告知。
感谢您的及时处理。
此致，
[你的名字]
✅【点评】：这是第二次提醒，语气比第一次稍强，使用“following up”表明已有沟通记录，“would appreciate it if…”表达请求更正式。
✅【重点词汇/句型】：
• following up on：跟进某事
• outstanding payment：未付账款
• I would appreciate it if…：非常感谢您能……（正式请求）
模板三：友好提醒（适用于长期客户）
Hi [Client's Name],
I hope you’re doing well! Just a quick note to check in about the payment for Invoice No. [Invoice Number] ($[Amount]), which was due on [Due Date].
We haven’t received it yet—could this have been overlooked? Let me know if you need a new copy of the invoice or any assistance.
Looking forward to hearing from you!
Best,
[Your Name]
🌟中文翻译：
嗨，[客户姓名]：
希望你一切顺利！简单提醒一下，编号为[发票号]、金额为$[金额]的发票已于[到期日]到期，我们尚未收到付款。
是否有可能被遗漏了？如果你需要新的发票副本或任何帮助，请告诉我。
期待你的回复！
祝好，
[你的名字]
✅【点评】：适用于关系良好的长期客户，语气轻松友好，使用“just a quick note”和“overlooked”暗示非故意拖欠，减少对立感。
✅【重点词汇/句型】：
• just a quick note：简短提醒
• could this have been overlooked?：是否被遗漏了？（委婉质疑）
• Looking forward to hearing from you!：期待回复（积极结尾）
模板四：正式催款（适用于多次未付）
Dear [Client's Name],
This is a formal reminder that the payment of $[Amount] for Invoice No. [Invoice Number], originally due on [Due Date], remains unpaid despite our previous reminders.
We kindly request that you settle the outstanding amount within [Number] business days. Failure to do so may result in further action, including suspension of services.
Please contact us immediately if there are any disputes regarding this invoice.
Sincerely,
[Your Name]
🌟中文翻译：
亲爱的[客户姓名]：
这是一封正式提醒：编号为[发票号]、原定于[到期日]支付的$[金额]款项，尽管我们已多次提醒，至今仍未支付。
我们恳请你在[数字]个工作日内结清该笔未付款项。若未能按时支付，我们可能采取进一步措施，包括暂停服务。
如对该发票有任何争议，请立即与我们联系。
此致，
[你的名字]
✅【点评】：语气正式且带有轻微警告，适用于多次催款无效的情况。“formal reminder”和“further action”表明事态升级。
✅【重点词汇/句型】：
• remains unpaid：仍未支付
• despite our previous reminders：尽管已有提醒
• may result in further action：可能导致进一步措施
模板五：紧急催款（临近法律程序）
Dear [Client's Name],
We regret to inform you that the payment of $[Amount] for Invoice No. [Invoice Number], due on [Due Date], has not been received, and the account is now significantly overdue.
This will be our final reminder before referring the matter to a collections agency or taking legal action. Please remit payment in full by [Final Deadline] to avoid additional consequences.
We hope to resolve this matter amicably and appreciate your immediate attention.
Sincerely,
[Your Name]
🌟中文翻译：
亲爱的[客户姓名]：
我们遗憾地通知您，编号为[发票号]、应于[到期日]支付的$[金额]款项仍未收到，账户已严重逾期。
这将是我们在移交催收机构或采取法律行动前的最后一次提醒。请务必在[最终截止日]前全额付款，以免产生进一步后果。
我们希望友好解决此事，恳请您立即处理。
此致，
[你的名字]
✅【点评】：这是最后通牒式邮件，使用“regret to inform”和“final reminder”传达严重性，但仍保留“hope to resolve amicably”以维持专业形象。
✅【重点词汇/句型】：
• regret to inform：遗憾地通知（正式表达）
• significantly overdue：严重逾期
• referring the matter to a collections agency：移交催收机构
模板六：已付款确认后的感谢邮件
Dear [Client's Name],
Thank you for your payment of $[Amount] received on [Date]. We have successfully processed your payment for Invoice No. [Invoice Number].
We truly appreciate your prompt response and continued trust in our services. Please don’t hesitate to reach out if you need any further assistance.
Warm regards,
[Your Name]
🌟中文翻译：
亲爱的[客户姓名]：
感谢您于[日期]支付的$[金额]。我们已成功处理您对编号[发票号]的付款。
非常感谢您的及时回应以及对我们服务的持续信任。如需进一步协助，请随时联系我们。
此致问候，
[你的名字]
✅【点评】：即使催款结束，一封感谢邮件也能强化客户关系，体现专业与温度。“prompt response”和“continued trust”增强正面情感。
✅【重点词汇/句型】：
• successfully processed：已成功处理
• prompt response：及时回应
• don’t hesitate to reach out：请随时联系（友好邀请）
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