导读：如何礼貌又有效地催款？
在商务往来中，遇到客户延迟付款是常有的事。但如何在不破坏合作关系的前提下，专业、礼貌地提醒对方付款，是一门沟通艺术。直接质问容易引起反感，而过于委婉又可能被忽视。
本文精选8个实用英文催款邮件模板，涵盖初次提醒、二次跟进、临近截止日提醒等多种场景。每个模板均提供准确中文翻译，并附有【点评】与【重点标注】，帮助你掌握语气把握、句型结构与商务表达技巧，轻松应对催款难题。
模板1：初次提醒（温和友好）
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 due on May 1st. We haven't received the payment yet, and I wanted to check if there's any issue or if you need a new copy of the invoice.
Please let me know if you have any questions. Looking forward to your confirmation.
Best regards,
[Your Name]
✨中文翻译：
亲爱的[客户姓名]：
希望您一切顺利。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。我们尚未收到付款，想确认是否有任何问题，或您是否需要新的发票副本。
如有任何疑问，请随时告知。期待您的回复。
此致问候，
[您的姓名]
✅【点评】 这是一封非常温和的初次提醒邮件，语气友好，不带压迫感。使用“I hope this message finds you well”作为开场，体现尊重。
✅【重点标注】 “kindly remind” 比 “remind” 更礼貌；“check if there's any issue” 表现出关心而非指责，有助于维护客户关系。
模板2：临近付款截止日提醒
Dear [Name],
This is a gentle reminder that your payment of $800 for invoice #67890 is due in two days (on June 15th). We appreciate your continued partnership and would be grateful if you could process the payment on time.
Thank you for your attention to this matter.
Sincerely,
[Your Name]
✨中文翻译：
亲爱的[姓名]：
温馨提醒您，编号为#67890、金额为800美元的款项将在两天后（6月15日）到期。感谢您一直以来的合作，如能按时付款，我们将不胜感激。
感谢您对此事的关注。
此致，
[您的姓名]
✅【点评】 适用于付款日即将来临前的提醒。使用“gentle reminder”和“would be grateful”表达期待，语气得体。
✅【重点标注】 “appreciate your continued partnership” 强调合作关系，让对方更愿意配合。
模板3：已逾期一周的友好提醒
Hi [First Name],
I noticed that we haven't received payment for invoice #11223 (due on May 10th) yet. Could you please confirm if the payment has been sent? If so, kindly share the transaction details.
If there's any delay on your end, please let us know when we can expect the funds.
Thanks for your help!
Best,
[Your Name]
✨中文翻译：
嗨，[名字]：
我注意到我们尚未收到编号为#11223（5月10日到期）的付款。请问您是否已安排付款？如果是，请分享一下交易详情。
如果贵方有延迟，请告知我们预计何时可以到账。
感谢您的协助！
此致，
[您的姓名]
✅【点评】 语气轻松但明确，适合与较熟悉的客户沟通。使用“noticed”而非“you haven't paid”，避免指责感。
✅【重点标注】 “Could you please confirm” 是礼貌请求的典范句型；“on your end” 是商务英语中常用表达，意为“在您那边”。
模板4：正式但礼貌的第二次催款
Dear [Client's Name],
We are following up on invoice #33445 for $1,200, which was due on April 20th. As of today, the payment has not been received.
We kindly request that you settle the outstanding amount within the next 5 business days. Please contact us immediately if there are any discrepancies or concerns.
Thank you for your prompt attention.
Respectfully,
[Your Name]
✨中文翻译：
亲爱的[客户姓名]：
我们正在跟进编号为#33445、金额为1,200美元的发票，该款项已于4月20日到期。截至目前，我们尚未收到付款。
敬请您在接下来的5个工作日内结清未付金额。如有任何差异或疑问，请立即与我们联系。
感谢您的及时处理。
此致，
[您的姓名]
✅【点评】 语气比前几封更正式，适用于多次未回应的情况。“following up” 表明这是跟进邮件，有记录可查。
✅【重点标注】 “settle the outstanding amount” 是“结清欠款”的标准商务表达；“prompt attention” 强调及时性，但不失礼。
模板5：表达理解并请求更新
Dear [Name],
I understand that unexpected delays can happen, and I hope everything is okay on your side. However, we have not yet received payment for invoice #55667 ($750), which was due on May 5th.
Could you please provide an update on the status of this payment? We’d appreciate it if you could let us know when we can expect it.
Thank you for your understanding.
Best regards,
[Your Name]
✨中文翻译：
亲爱的[姓名]：
我理解有时会出现意外延迟，希望您那边一切顺利。然而，我们尚未收到编号为#55667（500美元）的付款，该款项已于5月5日到期。
能否请您告知此笔付款的最新进展？如能告知预计到账时间，我们将非常感激。
感谢您的理解。
此致问候，
[您的姓名]
✅【点评】 展现同理心，适合用于长期客户或特殊情况下。先表达理解，再提出请求，更容易获得积极回应。
✅【重点标注】 “unexpected delays can happen” 降低对方防御心理；“provide an update” 是请求信息的礼貌方式。
模板6：附上发票副本的提醒
Dear [Client's Name],
I'm writing to follow up on invoice #77889 for $900, due on April 25th. As we haven't received payment, I've attached a copy of the invoice for your reference.
Please arrange payment at your earliest convenience. If the payment has already been made, please ignore this email and accept our thanks.
Warm regards,
[Your Name]
✨中文翻译：
亲爱的[客户姓名]：
我写信跟进编号为#77889、金额为900美元的发票，该款项已于4月25日到期。由于我们尚未收到付款，现附上发票副本供您参考。
请在您方便时尽快安排付款。如已付款，请忽略此邮件，并接受我们的感谢。
此致问候，
[您的姓名]
✅【点评】 附上发票副本可避免对方以“未收到”为由推脱，同时“ignore this email” 给对方留有余地。
✅【重点标注】 “at your earliest convenience” 是“尽快”的礼貌说法；“accept our thanks” 表达感激，提升好感。
模板7：升级催款（语气稍强）
Dear [Name],
This is our final reminder regarding invoice #99001 for $1,500, which became overdue on March 30th. Despite previous follow-ups, payment has not been received.
Please remit the full amount within 3 business days. Failure to do so may result in suspension of services or further action.
We hope to resolve this matter amicably and look forward to your immediate response.
Sincerely,
[Your Name]
✨中文翻译：
亲爱的[姓名]：
这是关于编号为#99001、金额为1,500美元的发票的最后一次提醒，该款项已于3月30日逾期。尽管我们已多次跟进，但仍无付款记录。
请在3个工作日内支付全额。若未支付，可能导致服务暂停或采取进一步措施。
我们希望友好解决此事，期待您的立即回复。
此致，
[您的姓名]
✅【点评】 用于长期拖欠且沟通无效的情况。“final reminder” 明确警告，但结尾仍保持专业。
✅【重点标注】 “remit the full amount” 是“支付全额”的正式表达；“may result in” 表示可能后果，语气坚定但不过激。
模板8：电话前的最后提醒
Dear [Client's Name],
We have attempted to contact you regarding the overdue payment of $2,000 (Invoice #22334, due Feb 15th). As we have not received a response, we will be calling your office tomorrow to discuss this matter.
We hope to clarify any issues and arrange prompt payment. Please feel free to reach out before then if you've already processed the payment.
Best regards,
[Your Name]
✨中文翻译：
亲爱的[客户姓名]：
我们曾多次联系您关于2,000美元的逾期付款（发票#22334，2月15日到期）。由于尚未收到回复，我们将于明天致电贵公司办公室讨论此事。
我们希望澄清任何问题并安排尽快付款。如您已付款，欢迎提前联系我们。
此致问候，
[您的姓名]
✅【点评】 为电话沟通做铺垫，既表明行动意图，又给予对方最后机会。
✅【重点标注】 “attempted to contact” 表明已尽努力；“will be calling” 明确下一步动作，增强紧迫感。