Payment Plan Offer Email Templates for Overdue Invoices

Payment plans stop excuses only when they’re written, dated, and enforceable. Use these templates to offer a plan while requiring exact dates and amounts.

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Full multi-email sequence plus templates and variations.

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When to use / when to send

Checklist / what to include

Invoice #{{InvoiceNumber}} and total balance {{Amount}}
Due date {{DueDate}} and that it remains unpaid
Request a written plan: dates + amounts (not vague timelines)
First payment deadline using {{DeadlineDate}}
Payment link {{PayLink}} and reply-by date {{ReplyByDate}}

Copy/paste templates

Offer a plan only if it results in specifics. Require dates and amounts in writing, and set the first payment by {{DeadlineDate}}. If they won’t agree, revert to a firm payment date request.

Hi {{Name}},

Following up on invoice #{{InvoiceNumber}} for {{Amount}}, due {{DueDate}}.

If you can’t pay in full today, we can resolve this with a written payment plan. Please reply by {{ReplyByDate}} with:
- the amount of each payment, and
- the exact dates each payment will be made.

First payment should be no later than {{DeadlineDate}}. Payment link for any amount: {{PayLink}}.

Regards,
{{YourName}}
{{Company}}
{{Phone}}

Hi {{Name}},

Invoice #{{InvoiceNumber}} ({{Amount}}) is overdue since {{DueDate}}.

Please choose one:
1) Pay in full today via {{PayLink}}, or
2) Reply by {{ReplyByDate}} with a payment plan (dates + amounts), with the first payment by {{DeadlineDate}}.

Thank you,
{{YourName}}
{{Phone}}

Hi {{Name}},

Thanks—confirming the payment plan for invoice #{{InvoiceNumber}} ({{Amount}}):

- Payment 1: [amount] on [date]
- Payment 2: [amount] on [date]
- Payment 3: [amount] on [date]

Please reply to confirm this schedule. Payment link: {{PayLink}}.

Regards,
{{YourName}}
{{Company}}

Hi {{Name}},

We didn’t receive the planned payment for invoice #{{InvoiceNumber}}.

Please resolve immediately via {{PayLink}} or confirm the updated exact payment date by {{ReplyByDate}}. If it isn’t resolved by {{DeadlineDate}}, we will proceed to the next step in our process.

Regards,
{{YourName}}
{{Phone}}

Recommended timing / follow-up plan

Offer a plan only after you’ve failed to get payment or a single firm date
Require plan details by {{ReplyByDate}} (dates + amounts)
Set the first payment by {{DeadlineDate}} to prove seriousness
Confirm the agreed plan in writing and keep it in the same email thread
If they miss a plan payment, reset to a firm deadline and escalate

Best practices / common mistakes

Do: require dates and amounts; a plan without specifics is useless
Do: set a near-term first payment to test intent
Don’t: accept “we’ll pay when we can” as a plan
Don’t: stretch the plan so long it becomes a free loan
Do: confirm every commitment in writing and follow up immediately on misses

FAQ

Offer it when full payment isn’t realistic but you still need control. The plan must include exact dates and amounts to be effective.