Payment Reminder Text Message Templates — SMS & WhatsApp Examples

A payment reminder text should name your business in the first words, state the amount and due date, and contain one clear action such as a short payment link — ideally within one SMS segment. Keep the details for email and use a text to make sure the reminder is seen.

SMS payment reminders

Before the due date

SMS

[Business name]: Hi [first name], a reminder that invoice [number] for [amount] is due on [due date]. Pay: [short link]

On the due date

SMS

[Business name]: Hi [first name], invoice [number] for [amount] is due today. Pay here: [short link]. Thank you!

A few days overdue

SMS

[Business name]: Hi [first name], invoice [number] for [amount] was due on [due date]. If you've already paid, thanks — otherwise you can pay here: [short link]

Second reminder

SMS

[Business name]: Invoice [number] for [amount] is still open. Please pay by [date] or reply/call [phone] if there's a problem. [short link]

Final reminder

SMS

[Business name]: Final reminder — invoice [number] for [amount] is overdue. Please pay by [date]: [short link]. Questions? Call [phone].

Recurring payment

SMS

[Business name]: Hi [first name], your [month] payment of [amount] is due on [due date]. Pay: [short link]

WhatsApp payment reminders

WhatsApp allows slightly longer, friendlier messages. Business messages sent through the WhatsApp Business Platform usually need an approved template and the customer's opt-in.

Upcoming payment

Hi [first name] 👋 This is [your name] from [business name]. A quick reminder that invoice [number] for [amount] is due on [due date]. You can pay here: [payment link] Thanks!

Due today

Hi [first name], invoice [number] for [amount] is due today. Payment link: [payment link] Let me know if you have any questions.

Overdue

Hi [first name], I wanted to check in on invoice [number] for [amount], which was due on [due date]. If it's already on its way, thank you! Otherwise you can pay here: [payment link] If something is holding it up, just reply here and we'll sort it out.

Final notice

Hello [first name], invoice [number] for [amount] is now [number of days] days overdue. Please arrange payment by [date] using [payment link]. If we don't hear from you by then, we'll [next step]. Please reply if there's an issue we should know about.

Keep SMS short — character limits matter

One SMS segment holds 160 characters when the message uses only the basic GSM character set. Emojis and many accented letters — including Turkish letters such as ş, ğ and ı — switch the message to Unicode, where a segment holds only 70 characters. Longer messages are split into several segments, and each segment is usually billed separately. Shorten the text or link if you can.

Personalising text messages

Start with your business name so the message is recognised before it is opened.
Use the customer's first name and one reference they recognise (invoice number or month).
Use a short link that opens your payment page directly.
Add a phone number only on later reminders, when a conversation may be needed.
Avoid emojis in SMS if you want to stay within one segment; they are fine on WhatsApp.

Send during business hours in your customer's time zone; never late at night.
Only text customers who expect messages from you and have given you their number for this purpose. Follow the messaging rules in your country, including any opt-out requirements.
Don't text disputed payments or customers who asked you to stop.
One text per reminder step is enough — combine it with an email for the details.

Send them automatically

RemindCash can send SMS and WhatsApp reminders with prepaid credits once those channels are enabled for your country, alongside email reminders included in your plan. See automated payment reminders.

Payment reminder text messages for SMS and WhatsApp