导读：如何礼貌地催款？
在商务沟通中，催款是常见但又敏感的任务。语气太强硬可能影响合作关系，语气太软又可能被忽视。如何在保持礼貌的同时有效提醒对方付款？本文为你整理了6个实用、得体的英文催款邮件模板，适用于不同阶段的催款场景，每封邮件都配有中文翻译、重点解析和使用建议，帮助你在维护客户关系的同时，顺利收回款项。
模板一：首次提醒（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 for $500 is now due as of May 1st. Please let me know if you’ve already made the payment so I can update our records accordingly.
Thank you for your attention, and please don’t hesitate to reach out if you have any questions.
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、金额为500美元的发票已于5月1日到期。如果您已付款，请告知我，以便我更新记录。
感谢您的关注，如有任何疑问，欢迎随时联系。
此致敬礼，
[您的姓名]
✅点评与重点：
这是首次提醒，语气非常温和。使用“I hope this message finds you well”作为开场，体现关心。
✅重点词汇： “kindly remind”（温馨提醒）、“update our records”（更新记录）——专业且礼貌的表达。
模板二：逾期一周（中性提醒）
Dear [Client's Name],
I hope you’re doing well. This is a follow-up regarding invoice #12345, which was due on May 1st and remains unpaid as of today. We would appreciate it if you could arrange payment at your earliest convenience.
Please let us know if there are any issues or if you need a copy of the invoice.
Sincerely,
[Your Name]
✨中文翻译：
亲爱的[客户姓名]，
希望您一切顺利。此邮件是关于编号#12345的发票的跟进，该发票已于5月1日到期，但至今尚未收到付款。烦请您尽快安排付款。
如遇到任何问题，或需要发票副本，请随时告知。
此致，
[您的姓名]
✅点评与重点：
语气依然礼貌，但加入了“follow-up”和“remains unpaid”明确指出逾期状态。
✅重点句型： “We would appreciate it if...” 是表达请求的委婉方式，比直接说“Please pay”更得体。
模板三：逾期两周（正式提醒）
Dear [Client's Name],
We would like to bring to your attention that invoice #12345 for $500, issued on April 1st and due on May 1st, has not yet been settled. As this payment is now 14 days overdue, we kindly request that you process the payment by the end of this week.
Failure to do so may result in a delay in future services.
Thank you for your prompt attention to this matter.
Best regards,
[Your Name]
✨中文翻译：
亲爱的[客户姓名]，
我们想提醒您，编号为#12345、金额为500美元的发票（4月1日开具，5月1日到期）尚未结清。目前该款项已逾期14天，我们恳请您在本周末前完成付款。
如未能及时处理，可能会影响后续服务的提供。
感谢您对此事的及时关注。
此致敬礼，
[您的姓名]
✅点评与重点：
语气更正式，明确指出逾期天数，并提出具体付款期限。
✅重点表达： “has not yet been settled”（尚未结清）比“not paid”更专业；“Failure to do so”用于温和施加压力，但不失礼貌。
模板四：多次未回应（加强语气）
Dear [Client's Name],
This is our third attempt to contact you regarding the outstanding payment of $500 (Invoice #12345), which is now over 20 days past due. Despite our previous reminders, we have not received any response or payment.
We kindly urge you to settle this invoice immediately. Please confirm payment or contact us by [specific date] to avoid further action.
We value our business relationship and hope to resolve this matter promptly.
Sincerely,
[Your Name]
✨中文翻译：
亲爱的[客户姓名]，
这是我们第三次就500美元的未付款项（发票#12345）与您联系，该款项已逾期超过20天。尽管我们已多次提醒，但至今未收到任何回复或付款。
我们恳请您立即结清该发票。请在[具体日期]前确认付款或与我们联系，以免采取进一步措施。
我们重视与您的合作关系，希望尽快解决此事。
此致，
[您的姓名]
✅点评与重点：
语气明显加强，但依然保持专业。使用“third attempt”强调已多次联系，“urge”比“request”更紧迫。
✅关键技巧： 加入“we value our business relationship”以缓和语气，避免关系破裂。
模板五：分期付款协商请求
Dear [Client's Name],
I understand that unexpected circumstances may affect payment timelines. If you are currently experiencing financial difficulty, we are open to discussing a payment plan for the outstanding amount of $500 (Invoice #12345).
Please let us know your situation by [date], and we’ll work together to find a mutually acceptable solution.
We appreciate your honesty and cooperation.
Best regards,
[Your Name]
✨中文翻译：
亲爱的[客户姓名]，
我理解意外情况可能会影响付款时间。如果您目前面临财务困难，我们愿意就500美元的未付款项（发票#12345）商讨分期付款方案。
请在[日期]前告知您的具体情况，我们将共同寻找双方都能接受的解决方案。
感谢您的坦诚与配合。
此致敬礼，
[您的姓名]
✅点评与重点：
展示同理心，主动提出解决方案，有助于维护客户关系。
✅亮点表达： “open to discussing”（愿意商讨）、“mutually acceptable solution”（双方可接受的方案）——体现合作态度。
模板六：最终通知（最后通牒）
Dear [Client's Name],
This is our final notice regarding the unpaid invoice #12345 for $500, which is now 30 days overdue. Despite multiple reminders, no payment or communication has been received.
Please settle the full amount by [deadline, e.g., May 31st]. If we do not receive payment by this date, we will have no choice but to refer this matter to a collections agency.
We sincerely hope to resolve this without further escalation.
Sincerely,
[Your Name]
✨中文翻译：
亲爱的[客户姓名]，
这是关于500美元未付发票#12345的最终通知，该款项已逾期30天。尽管我们多次提醒，但至今未收到付款或任何沟通。
请在[截止日期，如5月31日]前结清全部款项。如届时仍未收到付款，我们将不得不将此事移交催收机构处理。
我们真诚希望能在无需升级的情况下解决此事。
此致，
[您的姓名]
✅点评与重点：
这是最后通牒，语气正式且坚定。“final notice”和“no choice but to”表明立场。
✅注意事项： 使用“we sincerely hope”软化语气，避免完全对立，为和解留有余地。