导读：如何礼貌而有效地催款？
在商务往来中，遇到客户延迟付款是常见情况。然而，如何用英文写一封既不失礼又有效果的催款邮件，是许多英语学习者和职场人士的难题。直接催促可能显得咄咄逼人，过于委婉又可能被忽视。
本文精心整理了7个实用英文催款邮件模板，涵盖初次提醒、温和催促、正式警告等多个场景，每封邮件均配有精准中文翻译，并附有【点评】和【重点词汇/句型】标注，帮助你掌握地道表达，提升专业形象，轻松应对各类催款情境。
模板1：初次提醒（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 #12345, dated May 1st, for the amount of $1,200, is now due. Payment was expected by May 15th.
Could you please confirm when we can expect the payment? Thank you for your attention to this matter.
Best regards,
[Your Name]
✨ 中文翻译：
亲爱的[客户姓名]，
希望您一切安好。我写这封邮件是想温馨提醒您，编号为#12345、日期为5月1日、金额为1200美元的发票现已到期，原定付款日期为5月15日。
请问您能否确认一下我们何时可以收到款项？感谢您对此事的关注。
此致问候，
[你的名字]
✅点评：这是最基础的催款提醒，语气友好，适合首次提醒。使用“kindly remind”和“hope this message finds you well”体现礼貌。
✅重点词汇/句型：
• kindly remind：温馨提醒（比“remind”更礼貌）
• is now due：现已到期
• Could you please confirm…?：委婉请求确认
模板2：温和催促（已逾期一周）
Dear [Client's Name],
I hope you're doing well. I noticed that we haven't yet received payment for invoice #12345, which was due on May 15th. As it's now past the due date, I would appreciate it if you could arrange payment at your earliest convenience.
Please let me know if there are any issues or if you need a new copy of the invoice.
Warm regards,
[Your Name]
✨ 中文翻译：
亲爱的[客户姓名]，
希望您一切顺利。我注意到我们尚未收到编号为#12345的发票款项，该款项原定于5月15日支付。由于现已逾期，烦请您尽快安排付款。
如遇到任何问题，或需要新的发票副本，请随时告知。
此致问候，
[你的名字]
✅点评：语气依然礼貌，但明确指出“已逾期”，并表达希望尽快处理的意愿。提供帮助（如重新发送发票）展现合作态度。
✅重点词汇/句型：
• haven't yet received：尚未收到（委婉表达）
• at your earliest convenience：在您方便时尽快
• arrange payment：安排付款
模板3：正式提醒（逾期两周）
Dear [Client's Name],
This is a formal reminder regarding invoice #12345 for $1,200, which remains unpaid as of today. The payment was due on May 15th, and we have not received any communication regarding a delay.
We kindly request that payment be made within the next 5 business days to avoid any further action. Please confirm once the payment has been processed.
Sincerely,
[Your Name]
✨ 中文翻译：
亲爱的[客户姓名]，
此为关于编号#12345、金额1200美元发票的正式提醒，截至今日该款项仍未支付。原定付款日期为5月15日，我们尚未收到任何关于延迟付款的说明。
敬请在接下来的5个工作日内完成付款，以免采取进一步措施。付款完成后请予以确认。
此致敬意，
[你的名字]
✅点评：语气转为正式，使用“formal reminder”和“remains unpaid”强调问题严重性，并设定明确期限（5个工作日），为后续行动做铺垫。
✅重点词汇/句型：
• formal reminder：正式提醒
• remains unpaid：仍未支付
• to avoid any further action：以免采取进一步行动（暗示后果）
模板4：表达关切（长期合作客户）
Dear [Client's Name],
I hope you and your team are doing well. I'm reaching out as we've noticed that invoice #12345, dated May 1st, is now 10 days past due. Given our strong working relationship, I wanted to check in personally to see if there's anything we can assist with.
We value your business and would appreciate it if you could settle the outstanding amount soon.
Best regards,
[Your Name]
✨ 中文翻译：
亲爱的[客户姓名]，
希望您和您的团队一切顺利。我们注意到编号为#12345、日期为5月1日的发票已逾期10天。鉴于我们良好的合作关系，我想亲自联系您，了解是否有我们可以协助的地方。
我们非常重视与您的合作，恳请您尽快结清未付款项。
此致问候，
[你的名字]
✅点评：适用于长期客户，强调合作关系，语气关切而非指责。“check in personally”体现重视，“we value your business”增强情感联结。
✅重点词汇/句型：
• reaching out：主动联系（常用商务表达）
• check in personally：亲自跟进
• settle the outstanding amount：结清未付款项
模板5：电话未接通后的跟进邮件
Dear [Client's Name],
I tried to reach you by phone earlier today regarding the overdue payment for invoice #12345. As I was unable to connect, I'm following up via email.
The amount of $1,200 is now 14 days past due. Could you please provide an update on when we can expect payment? We'd be happy to discuss any concerns you may have.
Looking forward to your reply.
Best regards,
[Your Name]
✨ 中文翻译：
亲爱的[客户姓名]，
今天早些时候，我曾尝试通过电话与您联系，关于发票#12345的逾期付款事宜。由于未能接通，现通过邮件跟进。
1200美元的款项现已逾期14天。请问您能否告知我们预计何时可以收到付款？我们很乐意与您沟通您可能存在的任何顾虑。
期待您的回复。
此致问候，
[你的名字]
✅点评：说明已尝试电话联系，增强紧迫感。使用“following up via email”表明持续跟进，“we'd be happy to discuss”展现解决问题的意愿。
✅重点词汇/句型：
• tried to reach you by phone：尝试电话联系
• following up via email：通过邮件跟进
• provide an update：提供最新情况
模板6：最终通知（即将采取进一步措施）
Dear [Client's Name],
This will be our final reminder for the outstanding payment of $1,200 on invoice #12345, which is now over 30 days past due. Despite previous communications, we have not received payment or any explanation.
Please settle the full amount within 3 business days. Failure to do so will result in the matter being referred to our collections department.
We hope to resolve this amicably and avoid further steps.
Sincerely,
[Your Name]
✨ 中文翻译：
亲爱的[客户姓名]，
这是关于发票#12345未付金额1200美元的最后一次提醒，该款项现已逾期超过30天。尽管我们已多次沟通，但仍未能收到付款或任何解释。
请在3个工作日内结清全部款项。若未按时支付，此事将移交至我们的催收部门处理。
我们希望友好解决此事，避免采取进一步措施。
此致敬意，
[你的名字]
✅点评：语气严肃，明确为“final reminder”，并告知后果（移交催收部门），但结尾仍留有余地，体现专业与克制。
✅重点词汇/句型：
• final reminder：最后一次提醒
• outstanding payment：未付款项
• referred to our collections department：移交催收部门
模板7：付款后致谢（维护客户关系）
Dear [Client's Name],
Thank you for your payment of $1,200, which we have received and confirmed. We appreciate your prompt attention to this matter.
We value our partnership and look forward to continuing our collaboration.
Best regards,
[Your Name]
✨ 中文翻译：
亲爱的[客户姓名]，
感谢您支付的1200美元，我们已收到并确认。感谢您对此事的及时处理。
我们珍视与您的合作关系，期待继续合作。
此致问候，
[你的名字]
✅点评：即使催款过程可能紧张，付款后及时致谢有助于修复关系，展现专业素养。“prompt attention”肯定对方行为，强化正面互动。
✅重点词汇/句型：
• received and confirmed：已收到并确认
• appreciate your prompt attention：感谢您的及时处理
• look forward to continuing our collaboration：期待继续合作