导读：如何礼貌又有效地催客户付款？
在国际贸易或跨境合作中，客户延迟付款是许多企业和自由职业者常遇到的难题。直接催款可能让人感到尴尬，但拖延又会影响现金流。关键在于：用专业、礼貌且清晰的英文邮件表达诉求。
本文精心整理了9个不同情境下的英文催款邮件模板，从首次提醒到最终警告，语气由温和到坚定，同时附上准确中文翻译，并对关键表达进行重点点评，帮助你掌握商务英语中的催款技巧，既维护客户关系，又保障自身权益。
模板1：首次付款提醒（友好提醒）
📤Subject: Friendly Reminder: Invoice #12345 is Due
Dear Alex,
I hope you're doing well. This is just a quick reminder that Invoice #12345 for $1,200 was due on June 1st. We haven’t received the payment yet.
Could you please confirm when we can expect it? Let me know if you need a copy of the invoice or have any questions.
Thank you for your attention.
Best regards,
Linda
📤中文翻译：
亲爱的Alex：
希望你一切顺利。这是一封温馨提醒：编号为#12345、金额为1200美元的发票已于6月1日到期，我们尚未收到付款。
请问您能否确认一下预计何时付款？如需发票副本或有任何疑问，请随时告知。
感谢您的关注。
此致问候，
Linda
📌点评与重点：
• “Friendly reminder” 是非常得体的开场，避免让对方感到被指责。
• 使用 “Could you please…” 提问，语气委婉有礼。
• 主动提出帮助（“need a copy”）展现合作态度。
模板2：第二次提醒（语气稍强）
📤Subject: Follow-up: Overdue Payment for Invoice #12345
Dear Alex,
I’m following up on Invoice #12345, which is now 10 days past the due date. We still haven’t received payment of $1,200.
We kindly ask that you settle this invoice as soon as possible. Please let us know if there’s been an issue or if the payment has already been sent.
Thank you for your prompt attention.
Best regards,
Linda
📤中文翻译：
亲爱的Alex：
我在此跟进编号为#12345的发票，该发票已逾期10天，我们仍未收到1200美元的付款。
我们恳请您尽快结清此款项。如存在任何问题，或您已付款，请告知我们。
感谢您的及时处理。
此致问候，
Linda
📌点评与重点：
• “Following up” 表示这是第二次沟通，语气正式但不激烈。
• 明确指出 “past the due date” 和具体天数，增强紧迫感。
• “settle this invoice” 是“结清账单”的专业表达。
模板3：确认付款是否发出
📤Subject: Confirmation of Payment for Invoice #12345
Dear Alex,
Our records show that Invoice #12345 for $1,200 remains unpaid. Could you please confirm whether the payment has been processed on your end?
Sometimes payments are delayed due to bank processing. If it has been sent, kindly share the transaction details so we can track it.
Looking forward to your reply.
Best regards,
Linda
📤中文翻译：
亲爱的Alex：
我们的记录显示，编号为#12345、金额为1200美元的发票仍未支付。请问您能否确认贵方是否已处理付款？
有时因银行处理延迟导致到账晚。如已付款，请分享交易详情，以便我们追踪。
期待您的回复。
此致问候，
Linda
📌点评与重点：
• “remains unpaid” 客观陈述事实，不带情绪。
• 使用 “on your end” 指“在您那边”，是地道表达。
• 提出解决方案（“share transaction details”），体现专业性。
模板4：客户声称已付款，但未到账
📤Subject: Re: Payment Inquiry – Invoice #12345
Dear Alex,
Thank you for letting us know that the payment was sent. However, we still haven’t received the funds.
To help us locate the payment, could you please provide the following details:
- Date of transfer
- Amount sent
- Sender’s name and account number
- Bank name and SWIFT/BIC code
We appreciate your cooperation.
Best regards,
Linda
📤中文翻译：
亲爱的Alex：
感谢您告知已付款。但我们仍未收到款项。
为协助我们查找，请提供以下信息：
- 转账日期
- 付款金额
- 付款人姓名及账号
- 银行名称及SWIFT/BIC代码
感谢您的配合。
此致问候，
Linda
📌点评与重点：
• “To help us locate the payment” 表明请求信息是为了解决问题，而非质疑。
• 列出清晰的信息清单，方便客户回复。
• 使用 “appreciate your cooperation” 表达感谢，维持良好关系。
模板5：因技术问题延迟付款
📤Subject: Payment Delay Due to System Issue – Invoice #12345
Dear Alex,
We understand there was a system issue on your side that delayed the payment process. Thank you for informing us.
Could you please let us know the expected payment date? We’ll update our records accordingly.
We appreciate your transparency and look forward to resolving this soon.
Best regards,
Linda
📤中文翻译：
亲爱的Alex：
我们了解到贵方因系统问题导致付款延迟，感谢您的告知。
请问您能否告知预计付款日期？我们将据此更新记录。
感谢您的坦诚，期待尽快解决此事。
此致问候，
Linda
📌点评与重点：
• “We understand…” 表示同理心，有助于缓和气氛。
• “transparency”（坦诚）是褒义词，鼓励客户保持沟通。
• 语气积极，强调“resolving this soon”（尽快解决）。
模板6：长期未付款，正式提醒
📤Subject: Urgent: Overdue Invoice #12345 – 30 Days Past Due
Dear Alex,
This is a formal reminder that Invoice #12345 for $1,200 is now 30 days past due. Despite our previous emails, payment has not been received.
We kindly request that you settle the outstanding amount within the next 5 business days. Failure to do so may result in further action.
Please contact us immediately to avoid any disruption.
Sincerely,
Linda
📤中文翻译：
亲爱的Alex：
这是一份正式提醒：编号为#12345、金额为1200美元的发票已逾期30天。尽管我们已多次邮件提醒，仍未收到付款。
我们恳请您在接下来的5个工作日内结清欠款。若未支付，可能采取进一步措施。
为避免影响合作，请立即与我们联系。
此致，
Linda
📌点评与重点：
• “formal reminder” 表明事态升级。
• “Failure to do so may result in…” 是标准法律用语，暗示后果但不过激。
• 使用 “outstanding amount” 指“未付金额”，专业术语。
模板7：客户承诺付款但未兑现
📤Subject: Follow-up on Payment Commitment – Invoice #12345
Dear Alex,
You mentioned on June 10th that the payment would be made by June 15th. However, we have not received it.
Could you please provide an updated timeline? We value our partnership and hope to resolve this matter promptly.
Please respond by end of day tomorrow.
Best regards,
Linda
📤中文翻译：
亲爱的Alex：
您曾在6月10日表示付款将于6月15日前完成，但我们尚未收到。
请您提供最新的付款时间表。我们重视合作关系，希望尽快解决此事。
请于明天下班前回复。
此致问候，
Linda
📌点评与重点：
• 明确引用 “mentioned on…” 和具体日期，增强说服力。
• “value our partnership” 强调合作关系，软化语气。
• 设定回复截止时间（“end of day tomorrow”），增加紧迫感。
模板8：最后一次警告
📤Subject: Final Notice: Immediate Payment Required for Invoice #12345
Dear Alex,
This is our final notice regarding Invoice #12345, which remains unpaid for 45 days.
You must make the payment of $1,200 within 48 hours. If we do not receive it by then, we will have no choice but to refer this matter to our legal department.
We hope it won’t come to that and encourage you to act immediately.
Sincerely,
Linda
📤中文翻译：
亲爱的Alex：
这是关于编号#12345发票的最后通知，该发票已逾期45天仍未支付。
您必须在48小时内支付1200美元。若届时仍未收到，我们将不得不将此事移交法务部门处理。
我们不希望走到这一步，恳请您立即行动。
此致，
Linda
📌点评与重点：
• “Final notice” 明确表示这是最后一次沟通机会。
• “have no choice but to…” 表明采取行动是被迫的，减少敌意。
• 结尾表达希望避免法律手段，留有余地。
模板9：付款后致谢
📤Subject: Thank You for Your Payment – Invoice #12345
Dear Alex,
We have received your payment of $1,200 for Invoice #12345. Thank you for settling this promptly.
We appreciate your continued trust and look forward to future collaborations.
If you need any further assistance, feel free to reach out.
Best regards,
Linda
📤中文翻译：
亲爱的Alex：
我们已收到您支付的1200美元，用于结清发票#12345。感谢您及时付款。
感谢您一直以来的信任，期待未来继续合作。
如需进一步协助，欢迎随时联系。
此致问候，
Linda
📌点评与重点：
• 及时发送感谢信有助于维护客户关系。
• “settling this promptly” 肯定客户行为，增强正面印象。
• 表达“future collaborations”为长期合作铺路。
总结：催款邮件写作要点
1. 语气递进：从友好提醒逐步过渡到正式警告，避免一开始就强硬。
2. 信息清晰：始终注明发票号、金额、到期日等关键信息。
3. 提供帮助：主动询问是否遇到问题，展现合作态度。
4. 使用专业表达：如“outstanding amount”、“settle the invoice”、“payment is overdue”等。
5. 保持记录：所有沟通邮件存档，必要时可作为法律依据。
掌握这些英文催款邮件模板，不仅能有效解决付款问题，还能提升你的商务沟通能力和英语写作水平。建议收藏本文，以备不时之需。