Payment Plan Request Email for an Overdue Invoice

If they can’t pay in full, a dated plan is better than endless excuses. Use this to propose a simple plan with clear dates and stop the invoice from drifting.

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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 {{Amount}}
A proposed plan with 2–3 dated installments (use {{DeadlineDate}} as final date)
A requirement that they confirm the dates in writing
Pay link {{PayLink}} for the first installment today
Reply-by date {{ReplyByDate}}

How to use

Copy/paste template

Hi {{Name}},

Invoice #{{InvoiceNumber}} for {{Amount}} is overdue (due {{DueDate}}). If paying in full today isn’t possible, we can close this with a simple plan.

Proposed plan:
1) First payment today via {{PayLink}}
2) Second payment by {{ReplyByDate}}
3) Final payment by {{DeadlineDate}}

Please reply confirming the exact dates/amounts you will follow. If you prefer a different schedule, send your proposed dates and amounts.

Thanks,
{{YourName}}
{{Company}}
{{Phone}}

Follow-up plan + common mistakes

Require written confirmation of dates and amounts before you accept the plan
Follow up the day after each installment date if unpaid
If they miss the first installment, escalate immediately
Don’t accept “weekly payments” without specific dates
Don’t keep renegotiating—one reset maximum
Keep the payment thread separate from scope debates

FAQ

Sometimes, if it turns uncertainty into dates and amounts. A plan only works when it’s written and enforced.