Payment Plan Email Template (2–3 Step Options)

Offer a payment plan when the client is responsive but cash-constrained. The goal is a written commitment with dates and amounts you can actually enforce.

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When to offer a payment plan

They reply but can’t pay in full right now.
They’re a good client and you want to preserve the relationship.
You want certainty: dates + amounts in writing.

Email templates

Template 1 — 50/50 plan (simple and fast)

Subject: Payment plan option — invoice #{InvoiceNumber}

Hi {Name},

If paying invoice #{InvoiceNumber} ({Amount}) in full is difficult right now, we can do:
- {Amount50} by {Date1}
- {Amount50} by {Date2}

Reply to confirm, or propose dates that work for you.

Payment details: {PaymentDetails}

Thanks,
{YourName}

Template 2 — 3 installments

Subject: Payment plan proposal — invoice #{InvoiceNumber}

Hi {Name},

We can split invoice #{InvoiceNumber} ({Amount}) into 3 installments:
- {A1} by {D1}
- {A2} by {D2}
- {A3} by {D3}

Please reply confirming the option you prefer (or propose dates you can commit to).

Payment details: {PaymentDetails}

Thanks,
{YourName}

Template 3 — Confirm the plan in one line (after they agree)

Subject: Confirming payment plan — invoice #{InvoiceNumber}

Hi {Name},

Confirming our plan for invoice #{InvoiceNumber} ({Amount}): {A1} on {D1}, {A2} on {D2}, {A3} on {D3}.
Please reply “Confirmed” so we have it in writing.

Thanks,
{YourName}

What to confirm in writing (reduces missed payments)

Exact dates and amounts
Payment method (pay link/bank transfer)
What happens if an installment is missed (per your agreement)
Who is responsible for processing payment (AP contact, if B2B)

FAQ

Yes. Ask them to reply confirming dates and amounts so there’s a clear record.

Payment Plan Email Template (2–3 Step Options)

When to offer a payment plan

Email templates

What to confirm in writing (reduces missed payments)

FAQ

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