在国际商务沟通中，催款邮件（Payment Reminder Email）是常见但又敏感的沟通场景。一封措辞不当的邮件可能损害客户关系，而过于委婉又可能让对方忽视付款义务。因此，掌握几套专业、礼貌且高效的英文催款邮件模板，对职场人士和企业主至关重要。
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，涵盖首次提醒、逾期提醒、最后通牒等阶段，每封邮件均附带精准中文翻译，并配有【点评】和【重点词汇/句型】，帮助你提升商务英语写作能力，同时有效推动款项回收。
模板一：首次付款提醒（友好提醒）
Dear [Client's Name],
I hope this message finds you well. I’m writing to kindly remind you that the invoice #INV-1234, dated [Invoice Date], for the amount of $1,200, is due for payment. The payment was scheduled for [Due Date], and we haven’t yet received confirmation of the transfer.
Could you please confirm when we can expect the payment? We appreciate your prompt attention to this matter.
Thank you for your cooperation.
Best regards,
[Your Name]
✨中文翻译：
尊敬的[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#INV-1234、金额为1200美元的发票已于[发票日期]开具，付款截止日为[到期日]，但我们尚未收到付款确认。
请您确认预计何时可以完成付款？感谢您对此事的及时关注。
感谢您的配合。
此致敬礼！
[你的名字]
☑️【点评】：这是首次提醒的标准模板，语气友好、不带压迫感，适合用于刚过付款期或临近到期的情况。
☑️【重点词汇/句型】：
• kindly remind：礼貌提醒
• due for payment：到期应付款
• haven’t yet received confirmation：尚未收到确认
• prompt attention：及时关注
模板二：逾期7天提醒（温和催促）
Dear [Client's Name],
I hope you’re doing well. We noticed that payment for invoice #INV-1234, amounting to $1,200, was due on [Due Date] but has not yet been received. We understand that oversights can happen, so we’re sending this friendly reminder.
Please arrange the payment at your earliest convenience. If you’ve already made the transfer, kindly send us the payment confirmation for our records.
Looking forward to your response.
Sincerely,
[Your Name]
✨中文翻译：
尊敬的[客户姓名]：
希望您一切顺利。我们注意到编号为#INV-1234、金额为1200美元的发票已于[到期日]到期，但尚未收到付款。我们理解偶尔可能会有疏忽，因此发送此温馨提醒。
请尽快安排付款。若您已付款，请将付款凭证发送给我们以便存档。
期待您的回复。
此致
[你的名字]
☑️【点评】：适用于逾期一周左右，语气依然礼貌，但明确指出“未收到付款”，并提供“已付款”的反馈通道，体现专业性。
☑️【重点词汇/句型】：
• amounting to：金额为
• at your earliest convenience：在您方便时尽快
• payment confirmation：付款凭证
• for our records：用于我们存档
模板三：逾期15天提醒（正式提醒）
Dear [Client's Name],
This is a formal reminder regarding invoice #INV-1234 for $1,200, which became overdue on [Due Date]. Despite our previous communication, we have not yet received payment or any update from your side.
We kindly request that you settle the outstanding amount within the next 5 business days. Please note that delayed payments may affect our ability to continue providing services.
We value our partnership and hope to resolve this matter promptly.
Best regards,
[Your Name]
✨中文翻译：
尊敬的[客户姓名]：
此为关于编号#INV-1234、金额1200美元发票的正式提醒，该款项已于[到期日]逾期。尽管我们已先前联系，但至今仍未收到付款或任何反馈。
我们恳请您在接下来的5个工作日内结清欠款。请注意，延迟付款可能影响我们继续提供服务的能力。
我们重视合作关系，希望尽快解决此事。
此致敬礼！
[你的名字]
☑️【点评】：语气转为正式，强调“正式提醒”和“未收到反馈”，并暗示后果，但仍保持合作态度。
☑️【重点词汇/句型】：
• formal reminder：正式提醒
• became overdue：已逾期
• settle the outstanding amount：结清未付款项
• affect our ability：影响我们的能力
模板四：逾期30天提醒（严肃警告）
Dear [Client's Name],
We are writing to express our concern regarding the continued non-payment of invoice #INV-1234 for $1,200, which is now over 30 days past due. Despite our previous reminders, we have not received any response or payment.
Please be advised that failure to settle this invoice within the next 7 days may result in the suspension of services and/or referral to a collections agency.
We strongly encourage you to contact us immediately to discuss payment arrangements.
Sincerely,
[Your Name]
✨中文翻译：
尊敬的[客户姓名]：
我们对编号#INV-1234、金额1200美元的发票持续未付款表示关切，该款项已逾期超过30天。尽管我们多次提醒，仍未收到任何回应或付款。
特此通知：若在7天内仍未结清，可能导致服务暂停和/或转交催收机构处理。
我们强烈建议您立即与我们联系，商讨付款安排。
此致
[你的名字]
☑️【点评】：语气严肃，明确警告后果，使用“failure to settle”和“referral to collections agency”等正式表达，适用于长期拖欠。
☑️【重点词汇/句型】：
• continued non-payment：持续未付款
• be advised that：特此通知
• suspension of services：服务暂停
• referral to a collections agency：转交催收机构
模板五：客户声称已付款（核实请求）
Dear [Client's Name],
Thank you for informing us that the payment for invoice #INV-1234 has been made. We appreciate your update.
However, we have not yet received the funds in our account. Could you please provide us with the payment confirmation, including the transaction date, amount, and reference number?
This will help us locate the transfer and update our records accordingly.
We look forward to your prompt reply.
Best regards,
[Your Name]
✨中文翻译：
尊敬的[客户姓名]：
感谢您告知我们发票#INV-1234的款项已支付。我们感谢您的反馈。
然而，我们尚未在账户中收到相关资金。请您提供付款凭证，包括交易日期、金额和参考编号？
这将有助于我们查找转账记录并更新账目。
期待您尽快回复。
此致敬礼！
[你的名字]
☑️【点评】：适用于客户声称已付款但未到账的情况，语气礼貌且专业，避免直接质疑，而是请求“协助核实”。
☑️【重点词汇/句型】：
• payment confirmation：付款凭证
• transaction date：交易日期
• reference number：参考编号
• locate the transfer：查找转账记录
模板六：分期付款协商请求
Dear [Client's Name],
Thank you for your message regarding the difficulty in settling the full amount of invoice #INV-1234 ($1,200) by the due date.
We understand that financial challenges can arise, and we are open to discussing a payment plan. Please propose a schedule that works for you, including the number of installments and proposed dates.
Once we agree on the terms, we will send a formal agreement for your confirmation.
We appreciate your proactive communication.
Best regards,
[Your Name]
✨中文翻译：
尊敬的[客户姓名]：
感谢您告知因困难无法在到期日结清发票#INV-1234（1200美元）的全额款项。
我们理解财务困难可能偶尔发生，愿意商讨分期付款方案。请您提出可行的计划，包括分期次数和预计付款日期。
双方达成一致后，我们将发送正式协议供您确认。
感谢您主动沟通。
此致敬礼！
[你的名字]
☑️【点评】：展现灵活性与合作意愿，鼓励客户提出方案，体现人性化管理。
☑️【重点词汇/句型】：
• financial challenges：财务困难
• open to discussing：愿意商讨
• payment plan：付款计划
• installments：分期付款
模板七：最终催款通知（停止合作警告）
Dear [Client's Name],
This is our final notice regarding the outstanding balance of $1,200 on invoice #INV-1234, which remains unpaid for over 45 days.
If we do not receive full payment by [Final Deadline], we will have no choice but to cease all ongoing services and initiate legal proceedings to recover the debt.
We sincerely hope it does not come to this and urge you to settle the amount immediately.
Sincerely,
[Your Name]
✨中文翻译：
尊敬的[客户姓名]：
此为关于发票#INV-1234未付余额1200美元的最终通知，该款项已逾期超过45天。
若在[最终截止日]前仍未收到全额付款，我们将不得不终止所有正在进行的服务，并启动法律程序追讨债务。
我们真诚希望不至于走到这一步，恳请您立即结清款项。
此致
[你的名字]
☑️【点评】：作为最后通牒，语气坚决但不失专业，明确“最终通知”和“法律程序”，适用于长期拖欠且沟通无效的情况。
☑️【重点词汇/句型】：
• final notice：最终通知
• outstanding balance：未付余额
• cease all ongoing services：终止所有正在进行的服务
• initiate legal proceedings：启动法律程序
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