Letter to Customer for Overdue Payment

Reminder letter to customer/client for overdue payment is an official letter directed from the seller/service provider, which in many cases is usually an institution/company to the customer/service beneficiary, which may be an individual or even another company. It informs them about their pending and overdue bills they owe the service provider/seller. Although there may be a legal procedure for acquiring of overdue payment, this letter serves as a polite reminder to the customer by creating a much friendly tone of communication. On some occasions, it is also a much simpler, cheaper, and faster way of requesting for overdue payment without going through all the legal procedures.

Sometimes people forget about these payments, and henceforth taking legal actions may warrant unnecessary expenditure that would be avoided by simple letter writing. These letters also give customers the benefit of the doubt and establish even further trust for future business interactions.

What to Include in a Payment Reminder Letter

This letter needs to be perfectly written to ensure that the message being communicated is relayed to the recipient. To achieve this, you will need to ensure that your letter has some if not all of the following data sections;

  • Sender’s basic information. This is a vital inclusion in these letters. They include the name of the sender, the company associated, the designated position of the sender, the address of the sender, contact information, among other basic personal data. This is important because it will assist in informing the recipient of the source of the letter.
  • The date. The date is also essential in these letters as they will indicate the day the letter was written and may how long it has taken for delivery, among many factors. The date also assists in the case of record-keeping to limit any future cases of denial by the recipient upon inquiry.
  • The recipient’s basic information. This includes the name of the recipient, address, associated company, contact details. This is a vital component of the letter as it confirms that the recipient is the actual individual responsible for the overdue payment. Accuracy is paramount since addressing the letter to the wrong individual/address might warrant grounds for dismissal of the remainder.
  • Salutations. These are important aspects of any letter, whether formal or informal. Therefore, you should ensure to include these in your letter as they will bring about a respectful tone to the letter. Also, since the letter is just but a reminder, the tone generally needs to be friendly and polite, and these salutations go a long way in achieving this factor.
  • The body. The body of a letter for overdue payments needs to be short, precise, and to the point devoid of long sentences and extensive explanations. Therefore, your letter should be about three short paragraphs with each paragraph detailing specific aspects of the letter. For instance, the first paragraph might talk about the invoice and the overdue sum. Then the second paragraph strives in urging the customer on the urgency and importance of paying the overdue amount within a certain period beyond which there may be irreparable damage to both parties involved. Finally, you should also appreciate the individual for the time taken and any inconvenience and further urge them to respond.

Letter to Customer for Overdue Payment (Format)

(Sender’s Name/Title)

(Associated Company)

(Company’s Address)

(State, City, Zipcode)


(The Recipient’s Name)

(Personal/Company Address)

(State, City, Zipcode)

Re: A Reminder for Overdue Payment

Dear Mr. / Mrs. /Ms. (Recipient’s Name)/ Sir /Madam/ Ma’am

This letter is to notify you of the overdue pending bills you owe (Your Company Name) amounting to (Amount Overdue). This money was due on (Initial due date) as was agreed upon during the transaction. You are therefore urged to respond appropriately by completing the payment as earlier agreed upon. Attached below is a copy of the overdue invoice for further reference.

This money is vital for the continued smooth business operation in our company. Therefore, further delay in payment may result in unforeseen complications and inconveniences, which could result in costly operations. Further delay in the payment of the overdue invoice might result in the company to seek out legal actions.

If payment is already made, you may ignore this letter; however, if not, you need to pay immediately or communicate with the finance department and head office of our company to address and fix the issue within (the timeframe). Thank you for your time and sorry for any inconvenience that might have been caused by us.

Yours Sincerely,

(Sender’s Signature)

(Sender’s Name)

(Contact Information)

Sample Reminder Letter to Customer for Overdue Payment

Daniel Jackson,

Financial Manager,

Massive Dynamics,

333 Lexington Street,

Lambton, LA, 65432.

11 June 2028.

Jonas Quinn,

01 Monrovia Road,

Taxon, LA, 45678.

Re: A Reminder for Overdue Payment

Dear Mr. Quinn,

This letter is a friendly reminder on the overdue bills of $3200 worth of items procured and owed to the Massive Dynamics Company. The payment was due on 11 May 2028 as was agreed upon during transaction and noted. Attached below is a copy of the detailed overdue invoice and payment method recommended. You are, therefore urged to respond accordingly by fulfilling our agreement.

These funds are vital in the continued overall operations of our company without which the company may suffer immensely in the coming days. You are henceforth urged to pay the money as soon as possible to avoid further complications and inconveniences that might arise.

You are advised to contact the head financial office of the company within the next 14 day to express your grievances to the Manager in case you are unable to make the payments. Thank you for taking the time to read this letter, and I apologize for any inconveniences caused.

Yours Sincerely,

Daniel Jackson.

Email to Customer for Overdue Payment

Emails can also be used to remind customers about overdue payments. Below is a sample email format for overdue payment to a customer;


[Your business’ name]: invoice [invoice reference number]


Hi [Recipient’s Name]

I hope you are well.

We have yet to receive payment from yourselves of [amount owed on invoice] in respect of our invoice [invoice reference number] which was due for payment on [date due]. Attached is a copy of the invoice for further reference.

I would be really grateful if you could make the payments as soon as possible or let me know when you have any questions concerning the matter.

Best regards,

[Sender’s Name]

Sample Email to Customer for Overdue Payment

Massive Dynamics: Overdue Invoice number 500065

Hi Jonas,

I hope you are well.

I am writing to remind you of the overdue payment of $4000 in reference to our invoice number 500065, which was due on 11 May 2029. Further attached in the email is a copy of the overdue invoice for further reference.

Please make the payments as soon as possible and feel free to ask any questions regarding the payment of the overdue invoice.

Thank you.




It is common for people to forget to pay their bills at times, and this usually does not warrant taking stern legal actions against them. Thus, these letters are vital as they act as reminders in the most friendly and polite ways possible. It is, therefore, important to always write the best of these letters to ensure limited dismissal grounds while also maintaining reasonable relationship grounds with your customers by simply following the guidelines above.

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