导读：如何写一封既专业又不失礼貌的英文催款邮件？
在国际商务沟通中，催款邮件（Payment Reminder Email）是常见但又容易踩雷的场景。语气太强硬可能损害客户关系，语气太软弱又可能被忽视。本文精心整理了10个专业、礼貌且高效的英文催款邮件模板，适用于不同阶段的催款需求——从首次提醒到最终警告。每个模板均附带精准中文翻译、使用场景说明和语言重点点评，帮助你在维护客户关系的同时，有效推动款项到账。
模板1：首次友好提醒（付款截止日后3-5天）
📤Subject: Friendly Reminder: Overdue Payment for Invoice #INV-1234
Dear Mr. Smith,
I hope this message finds you well. I’m writing to kindly remind you that payment for Invoice #INV-1234, amounting to $1,250, was due on May 1st, 2024. As of today, we have not yet received the payment.
Could you please confirm when we can expect it? If there’s any issue or delay on your end, please let us know so we can assist.
Thank you for your attention, and we appreciate your prompt response.
Best regards,
Emily Chen
Accounts Manager
📤主题：友情提醒：发票编号#INV-1234的款项已逾期未付
尊敬的Smith先生：
您好！希望您一切顺利。我们想温馨提醒您，编号为#INV-1234的发票（金额1,250美元）应于2024年5月1日付款，但截至目前我们尚未收到款项。
请问您能否确认何时可以完成付款？如您这边有任何问题或延迟，请告知我们，以便协助处理。
感谢您的关注，期待您的及时回复。
此致敬礼
Emily Chen
账务经理
✍️点评与重点：
• 使用“friendly reminder”传递温和语气，避免对抗感。
• “I hope this message finds you well”是商务邮件常用开场白，体现尊重。
• “Could you please…”比“Please pay”更礼貌，建议催款时多用。
模板2：第二次提醒（逾期10-14天）
📤Subject: Second Reminder: Overdue Invoice #INV-1234
Dear Mr. Smith,
This is a follow-up regarding Invoice #INV-1234 for $1,250, which remains unpaid since its due date of May 1st, 2024.
We understand that oversights can happen, but we kindly request that you settle the amount as soon as possible. Please let us know if there are any discrepancies or if you require a copy of the invoice.
We value your business and hope to resolve this matter promptly.
Sincerely,
Emily Chen
Accounts Department
📤中主题：第二次提醒：逾期未付的发票编号#INV-1234
尊敬的Smith先生：
此为关于发票#INV-1234（金额1,250美元）的第二次提醒，该款项自2024年5月1日到期后仍未支付。
我们理解偶尔会有疏忽，但仍恳请您尽快完成付款。如您发现金额有误，或需要发票副本，请随时告知。
我们重视与您的合作，希望尽快解决此事。
此致
Emily Chen
财务部
✍️点评与重点：
• “follow-up”表示这是后续沟通，逻辑清晰。
• “oversights can happen”体现同理心，减少对方防御心理。
• “discrepancies”是“差异、不符”的专业表达，适合财务场景。
模板3：正式提醒（逾期21天）
📤Subject: Urgent: Payment Overdue for Invoice #INV-1234
Dear Mr. Smith,
We are writing to inform you that Invoice #INV-1234 for $1,250 has now been overdue for over three weeks. Despite our previous reminders, payment has not been received.
We kindly request that you process the payment immediately. Failure to do so may affect our ability to continue services or future cooperation.
Please confirm payment status by end of this week.
Best regards,
Emily Chen
Finance Team
📤主题：紧急事项：发票编号#INV-1234的付款已逾期未付
尊敬的Smith先生：
我们特此通知您，发票#INV-1234（金额1,250美元）已逾期超过三周。尽管我们已多次提醒，但仍未收到付款。
我们恳请您立即安排付款。如未能及时处理，可能影响我们继续提供服务或未来合作。
请于本周末前确认付款状态。
此致敬礼
Emily Chen
财务团队
✍️点评与重点：
• “Urgent”提升邮件优先级，引起重视。
• “Failure to do so may affect…”是委婉施压的高级表达，避免直接威胁。
• 设定明确时间节点“by end of this week”增强紧迫感。
模板4：询问付款问题（怀疑技术或沟通问题）
📤Subject: Inquiry Regarding Payment for Invoice #INV-1234
Dear Mr. Smith,
I hope you’re doing well. We’ve noticed that payment for Invoice #INV-1234 ($1,250) has not yet been processed, despite it being due on May 1st.
Could there be an issue with the payment method, bank details, or invoice receipt? We’d be happy to resend the invoice or clarify any questions.
Looking forward to your reply.
Best regards,
Emily Chen
Customer Support
📤主题：关于发票号INV-1234的付款事宜的咨询
尊敬的Smith先生：
您好！我们注意到发票#INV-1234（1,250美元）尚未支付，尽管其到期日为5月1日。
请问是否在付款方式、银行信息或发票接收方面存在问题？我们很乐意重新发送发票或解答疑问。
期待您的回复。
此致敬礼
Emily Chen
客户支持
✍️点评与重点：
• 主动提出帮助，展现合作态度，适用于长期客户。
• “Could there be an issue…?”是开放式提问，鼓励对方回应。
• 用“Looking forward to your reply”结尾，礼貌且期待。
模板5：提供分期付款选项（维护客户关系）
📤Subject: Flexible Payment Options for Overdue Invoice #INV-1234
Dear Mr. Smith,
We understand that financial circumstances can sometimes be challenging. As your valued client, we’d like to offer flexible payment options for the outstanding amount of $1,250 on Invoice #INV-1234.
You may choose to pay in two installments: $625 now and $625 by June 15th, 2024. Please confirm if this arrangement works for you.
We appreciate your cooperation and look forward to resolving this matter together.
Warm regards,
Emily Chen
Client Relations
📤主题：逾期发票#INV-1234的灵活付款方式
尊敬的Smith先生：
我们理解财务状况有时可能面临挑战。作为我们重视的客户，我们愿为发票#INV-1234的1,250美元欠款提供灵活付款方案。
您可选择分两期支付：现付625美元，余款625美元于2024年6月15日前付清。请确认此安排是否可行。
感谢您的配合，期待共同解决此事。
此致问候
Emily Chen
客户关系部
✍️点评与重点：
• “valued client”强化客户价值感，利于关系维护。
• 提供具体分期方案，体现专业与诚意。
• “look forward to resolving… together”强调合作而非对立。
模板6：最终通知（逾期30天以上）
📤Subject: Final Notice: Immediate Payment Required for Invoice #INV-1234
Dear Mr. Smith,
This is our final notice regarding the unpaid Invoice #INV-1234 for $1,250, which has been overdue since May 1st, 2024.
Payment must be received by June 10th, 2024. If we do not receive payment by this date, we will have no choice but to refer the matter to our collections department or legal counsel.
We hope to avoid further action and resolve this amicably.
Sincerely,
Emily Chen
Finance Director
📤主题：最终通知：发票编号#INV-1234所对应的款项需立即支付
尊敬的Smith先生：
此为关于未付款发票#INV-1234（1,250美元）的最终通知，该款项自2024年5月1日起已逾期。
请务必于2024年6月10日前完成付款。若届时仍未收到，我们将不得不将此事移交催收部门或法律顾问处理。
我们希望避免进一步措施，友好解决此事。
此致
Emily Chen
财务总监
✍️点评与重点：
• “Final Notice”明确阶段，增强严肃性。
• “no choice but to…”表达无奈，减轻攻击性。
• 使用“amicably”（友好地）传递善意，保留回旋余地。
模板7：已付款但金额不符
📤Subject: Partial Payment Received – Balance Still Due
Dear Mr. Smith,
Thank you for your payment of $800 received on June 3rd. However, we would like to inform you that the full amount due on Invoice #INV-1234 is $1,250, leaving a remaining balance of $450.
Please settle the outstanding balance by June 12th, 2024. A copy of the invoice is attached for your reference.
We appreciate your prompt attention to this matter.
Best regards,
Emily Chen
Accounts Team
📤主题：已收到部分款项——剩余款项仍需支付
尊敬的Smith先生：
感谢您于6月3日支付的800美元。但我们需告知您，发票#INV-1234的应付总额为1,250美元，尚余450美元未付。
请于2024年6月12日前结清余款。发票副本已附上供您参考。
感谢您对此事的及时关注。
此致敬礼
Emily Chen
账务团队
✍️点评与重点：
• 先感谢已付部分，体现正向反馈。
• “leaving a remaining balance of…”清晰说明差额。
• 附上发票副本，减少借口。
模板8：客户声称已付款，但未到账
📤Subject: Payment Status Inquiry – Invoice #INV-1234
Dear Mr. Smith,
Thank you for informing us that payment for Invoice #INV-1234 was sent. However, we have not yet received it in our account.
Could you please provide the payment confirmation or bank transfer receipt? This will help us trace the transaction and update our records.
We appreciate your cooperation in resolving this discrepancy.
Best regards,
Emily Chen
Finance Department
📤主题：付款状态查询 – 发票编号：INV-1234
尊敬的Smith先生：
感谢您告知已支付发票#INV-1234的款项。但截至目前，我们尚未在账户中收到该笔款项。
请您提供付款确认单或银行转账凭证，以便我们追踪交易并更新记录。
感谢您协助解决此差异问题。
此致敬礼
Emily Chen
财务部
✍️点评与重点：
• 不直接质疑客户，用“inquiry”保持中立。
• “payment confirmation / bank transfer receipt”是关键凭证术语。
• “trace the transaction”是财务常用表达。
模板9：长期客户，温和提醒
📤Subject: Gentle Reminder: Overdue Invoice #INV-1234
Dear Mr. Smith,
I hope you’re doing well. I’m just following up on Invoice #INV-1234 for $1,250, which was due on May 1st.
As a long-standing client, we truly value our partnership. Could you please let us know when we can expect the payment?
Thank you for your continued trust and support.
Warm regards,
Emily Chen
Account Manager
📤主题：温馨提醒：逾期未付的发票编号#INV-1234
尊敬的Smith先生：
您好！希望您一切顺利。特此跟进发票#INV-1234（1,250美元）的付款事宜，该款项应于5月1日支付。
作为长期客户，我们非常珍视与您的合作关系。请问您何时可以安排付款？
感谢您一直以来的信任与支持。
此致问候
Emily Chen
客户经理
✍️点评与重点：
• “Gentle Reminder”适合老客户，语气更柔和。
• 强调“long-standing client”和“value our partnership”增强情感联结。
• 结尾表达感谢，提升好感度。
模板10：付款后致谢邮件（建立良好关系）
📤Subject: Thank You for Your Payment – Invoice #INV-1234
Dear Mr. Smith,
This is to confirm that we have received your payment of $1,250 for Invoice #INV-1234. Thank you for settling this promptly.
We truly appreciate your cooperation and continued business. Please don’t hesitate to reach out if you need any further assistance.
Looking forward to serving you again.
Best regards,
Emily Chen
Accounts Department
📤主题：感谢您的付款——发票编号：INV-1234
尊敬的Smith先生：
特此确认，我们已收到您支付的1,250美元（发票#INV-1234）。感谢您及时结清款项。
我们衷心感谢您的配合与持续合作。如有任何需要，请随时联系我们。
期待再次为您服务。
此致敬礼
Emily Chen
账务部
✍️点评与重点：
• 付款后发送感谢信，有助于建立长期信任。
• “settling this promptly”表扬客户行为，强化正面印象。
• “Looking forward to serving you again”为未来合作铺路。