导读：用英语优雅沟通，催款也能有温度
在国际商务往来中，催款或协商延期付款是常见但敏感的沟通场景。语气生硬容易破坏合作关系，过于委婉又可能被忽视。如何用英文写出既专业又不失礼貌的邮件？本文精选8个高频使用场景的英文邮件模板，涵盖催款提醒、温和跟进、紧急催促及延期请求等，每一封都配有精准中文翻译，并附上【点评】与【重点词汇/句型】标注，帮助你在实际应用中得体表达，提升商务英语沟通力。
1. 温和提醒：首次催款邮件
📤Subject: Gentle Reminder: Overdue Payment for Invoice #12345
Dear Mr. Thompson,
I hope this message finds you well. I’m writing to kindly remind you that payment for Invoice #12345, amounting to $2,500, was due on June 1st. As of today, we have not yet received the payment.
Could you please confirm when we might expect it? We’d appreciate your prompt attention to this matter.
Thank you for your cooperation.
Best regards,
Linda Chen
📤主题：温馨提醒：发票#12345款项逾期
尊敬的汤普森先生：
希望您一切安好。特此温馨提醒，编号为#12345的发票金额为2,500美元，应于6月1日支付，但截至目前我们尚未收到款项。
烦请确认预计何时付款？我们期待您尽快处理此事。
感谢您的配合。
此致问候，
陈琳
☑️【点评】：这是标准的首次催款模板，语气礼貌且不带压迫感。“Gentle Reminder”比“Urgent”更友好，“kindly remind”体现尊重，“prompt attention”委婉催促。
☑️【重点】：Gentle reminder（温馨提醒）；kindly remind（善意提醒）；prompt attention（及时关注）
2. 跟进催款：第二次提醒
📤Subject: Follow-up: Outstanding Payment for Invoice #12345
Dear Mr. Thompson,
I hope you're doing well. I’m following up on my previous email regarding Invoice #12345, which remains unpaid as of today.
We understand that unforeseen circumstances may arise, but we would appreciate it if you could settle the balance of $2,500 by the end of this week.
Please let us know if there are any issues on your end.
Best regards,
Linda Chen
📤主题：跟进：发票#12345未付款项
尊敬的汤普森先生：
希望您一切顺利。此邮件是针对发票#12345的跟进，截至目前该款项仍未支付。
我们理解可能会出现意外情况，但仍希望您能在本周末前结清2,500美元的余额。
如您那边存在问题，请及时告知。
此致问候，
陈琳
☑️【点评】：使用“following up”表明是第二次沟通，语气仍保持专业。“unforeseen circumstances”体现同理心，避免对立情绪。“settle the balance”是“结清余额”的正式表达。
☑️【重点】：Follow-up（跟进）；settle the balance（结清余额）；unforeseen circumstances（意外情况）
3. 正式催款：语气加强版
📤Subject: Final Notice: Payment for Invoice #12345 is Overdue
Dear Mr. Thompson,
This is a formal notice that payment for Invoice #12345, totaling $2,500, is now 30 days overdue. Despite our previous reminders, we have not received any payment or communication from your side.
We kindly request that you remit the full amount within the next 5 business days. Failure to do so may result in the suspension of future services.
We hope to resolve this matter amicably and look forward to your immediate response.
Sincerely,
Linda Chen
📤主题：最后通知：发票#12345款项已逾期
尊敬的汤普森先生：
此为正式通知：发票#12345总计2,500美元，现已逾期30天。尽管我们已多次提醒，但至今未收到付款或任何回复。
敬请在接下来的5个工作日内支付全额款项。若未履行，可能导致后续服务暂停。
我们希望友好解决此事，期待您立即回复。
此致，
陈琳
☑️【点评】：使用“formal notice”和“final notice”增强正式感，“remittance”是“汇款”的正式用词，“suspension of services”为常见后果提示，语气坚定但留有余地。
☑️【重点】：Formal notice（正式通知）；remit the payment（汇款）；suspension of services（服务暂停）
4. 客户请求延期：礼貌回应
📤Subject: Re: Request for Payment Extension – Invoice #12345
Dear Mr. Thompson,
Thank you for your email regarding the request to extend the payment deadline for Invoice #12345.
We understand your current situation and are willing to grant a one-time extension until July 15th. Please note that this is an exception, and we kindly ask that future payments be made on time.
We appreciate your honesty and commitment to settling the account.
Best regards,
Linda Chen
📤主题：回复：关于发票#12345延期付款请求
尊敬的汤普森先生：
感谢您关于延长发票#12345付款期限的来信。
我们理解您目前的情况，同意一次性延期至7月15日。请注意，此为特例，今后请务必按时付款。
感谢您的坦诚与履约承诺。
此致问候，
陈琳
☑️【点评】：回应客户延期请求时，先表达理解，再设定明确条件。“one-time extension”强调特殊性，“exception”划清界限，既体现合作精神又维护规则。
☑️【重点】：Grant an extension（批准延期）；one-time extension（一次性延期）；exception（例外）
5. 主动申请延期付款
📤Subject: Request for Payment Extension – Invoice #12345
Dear Linda,
I hope you're well. I'm writing to kindly request a short extension for the payment of Invoice #12345, originally due on June 1st.
Due to unexpected cash flow issues, we would appreciate it if you could allow us to settle the $2,500 balance by July 10th.
We value our partnership and apologize for any inconvenience. Please let me know if this is acceptable.
Best regards,
John Thompson
📤主题：申请延期付款：发票#12345
亲爱的琳达：
希望您一切安好。特此申请将原定于6月1日支付的发票#12345延期。
由于出现意外现金流问题，恳请您允许我们将2,500美元余额延至7月10日支付。
我们重视合作关系，对造成的不便深表歉意。烦请告知是否可行。
此致问候，
约翰·汤普森
☑️【点评】：主动申请延期时，说明具体原因（cash flow issues）并提出明确新日期，展现诚意。“value our partnership”强化关系维护，“apologize for any inconvenience”体现责任感。
☑️【重点】：Request a short extension（申请短期延期）；cash flow issues（现金流问题）；settle the balance（结清余额）
6. 催款附发票副本
📤Subject: Overdue Payment – Invoice #12345 Attached
Dear Mr. Thompson,
Please find attached a copy of Invoice #12345 for $2,500, which was due on June 1st. As we have not yet received payment, we kindly remind you to settle the amount at your earliest convenience.
If you have already made the payment, please disregard this email and accept our thanks.
Should you have any questions, feel free to contact us.
Best regards,
Linda Chen
📤主题：逾期付款——附发票#12345副本
尊敬的汤普森先生：
随信附上金额为2,500美元、应于6月1日支付的发票#12345副本。因尚未收到款项，特此提醒您尽快支付。
如您已付款，请忽略此邮件，并接受我们的感谢。
如有疑问，欢迎随时联系。
此致问候，
陈琳
☑️【点评】：附上发票副本可避免“未收到发票”的借口。“at your earliest convenience”是礼貌催促的常用表达，“disregard this email”为对方留台阶。
☑️【重点】：Please find attached（随信附上）；at your earliest convenience（尽快）；disregard this email（忽略此邮件）
7. 紧急催款：涉及法律行动
📤Subject: Urgent: Immediate Payment Required for Invoice #12345
Dear Mr. Thompson,
This is our final reminder regarding Invoice #12345, which is now 45 days overdue. Despite multiple attempts to contact you, no payment has been received.
Unless the full amount of $2,500 is settled within the next 48 hours, we will have no choice but to escalate this matter to our legal department for further action.
We sincerely hope to avoid this step and encourage you to contact us immediately.
Sincerely,
Linda Chen
📤主题：紧急：发票#12345需立即付款
尊敬的汤普森先生：
此为关于发票#12345的最后提醒，该款项已逾期45天。尽管我们多次尝试联系，仍未收到付款。
若48小时内仍未结清2,500美元全额，我们将不得不将此事移交法务部门采取进一步行动。
我们真诚希望避免此步骤，敬请立即与我们联系。
此致，
陈琳
☑️【点评】：用于极端情况，语气严肃。“final reminder”强调最后一次，“escalate to legal department”明确后果，但结尾仍留沟通空间，避免彻底决裂。
☑️【重点】：Final reminder（最后提醒）；escalate to legal department（移交法务部门）；further action（进一步行动）
8. 成功付款后感谢信
📤Subject: Thank You for Your Payment – Invoice #12345
Dear Mr. Thompson,
Thank you for your payment of $2,500 received on July 5th for Invoice #12345. We confirm that your account is now settled in full.
We appreciate your prompt action and continued trust in our services. Should you need any assistance in the future, please don’t hesitate to reach out.
Warm regards,
Linda Chen
📤主题：感谢您的付款——发票#12345
尊敬的汤普森先生：
感谢您于7月5日支付发票#12345的2,500美元。我们确认您的账户现已全额结清。
感谢您的及时处理及对我们服务的持续信任。如未来需要协助，欢迎随时联系。
此致问候，
陈琳
☑️【点评】：付款完成后发送感谢信，有助于维护客户关系。“settled in full”确认结清，“continued trust”强化合作情感，“don’t hesitate to reach out”鼓励未来沟通。
☑️【重点】：Settled in full（全额结清）；continued trust（持续信任）；don’t hesitate to reach out（欢迎随时联系）