---
type: Template
title: Accounts Receivable Email Templates (Free Collections Emails)
description: Six free accounts receivable email templates for chasing overdue invoices, from a friendly pre-due reminder to a final notice. Copy, paste and personalize.
resource: https://accounting.events/resources/accounts-receivable-email-templates/
tags: [accounts receivable email template, collection email template, payment reminder email template, overdue invoice email, accounts receivable collection template]
timestamp: 2026-10-19
---
AR Email Templates

# Accounts receivable email templates

Six ready-to-send collections emails, from a gentle pre-due reminder to a final notice. Copy, paste, personalize, or download them all.

By [**Accounting.Events editorial team**](/about/)Updated **September 28, 2026****6 min read**

Quick answer

**Accounts receivable email templates are ready-made messages for chasing payment on invoices, from a friendly reminder before the due date to a firm final notice once an invoice is well overdue.** This page gives six, one for each stage: pre-due reminder, due-date note, first overdue, second reminder, statement, and final notice.

A consistent sequence collects more, faster, because most late payments are simply un-chased. Each template has a subject line and body with merge fields you can personalize. Copy them straight from the page or download all six as a CSV. For a complete follow-up schedule, see our [AR action plan template](/resources/accounts-receivable-action-plan-template/).

If your invoices are in Xero or QuickBooks Online, Paidnice sends emails like these automatically, on the schedule you set for each customer group.

Preview

Xaccounts-receivable-email-templatesCollections email templatesPre-due reminder3 days before dueSubject: Your invoice INV-1042 is due on 12 JunFirst overdue3 days overdueSubject: Invoice INV-1042 is now overdueFinal notice30 days overdueSubject: Final notice before further action

Download all six email templates

A CSV with the stage, timing, subject and body of every template, ready to import into your tools.

[Download CSV](/resources/accounts-receivable-email-templates/accounts-receivable-email-templates.csv)

The golden rule: stay polite and helpful early, get firmer over time, and always make it easy to pay with a payment link.

## The 6 collections email templates

Copy, paste and personalize. Replace the {{fields}} with your details, or download all six as a CSV below.

Pre-due reminder

**When to send:** 3 days before the due date  
**Tone:** Friendly heads-up

**Subject:** Your invoice {{invoice}} is due on {{due\_date}}

Hi {{name}},  
  
A quick reminder that invoice {{invoice}} for {{amount}} is due on {{due\_date}}. You can pay online here: {{pay\_link}}.  
  
Thank you,  
{{your\_name}}

Due today

**When to send:** On the due date  
**Tone:** Polite and light

**Subject:** Invoice {{invoice}} is due today

Hi {{name}},  
  
Just a note that invoice {{invoice}} for {{amount}} is due today. If you have already paid, thank you and please ignore this. Otherwise you can pay here: {{pay\_link}}.  
  
Best,  
{{your\_name}}

First overdue

**When to send:** 3 days after the due date  
**Tone:** Polite; ask for a payment date

**Subject:** Invoice {{invoice}} is now overdue

Hi {{name}},  
  
Invoice {{invoice}} for {{amount}} was due on {{due\_date}} and is now overdue. Could you let me know when we can expect payment, or pay online here: {{pay\_link}}?  
  
Thank you,  
{{your\_name}}

Second reminder

**When to send:** 7 days after the due date  
**Tone:** Direct; offer to fix any invoice query

**Subject:** Following up on overdue invoice {{invoice}}

Hi {{name}},  
  
I am following up on invoice {{invoice}} for {{amount}}, now 7 days overdue. If there is an issue with the invoice please let me know; otherwise a payment date would be appreciated. Pay link: {{pay\_link}}.  
  
Regards,  
{{your\_name}}

Statement / firm reminder

**When to send:** 14 days after the due date  
**Tone:** Firm; set a short payment window

**Subject:** Overdue account: invoice {{invoice}}

Hi {{name}},  
  
Our records show invoice {{invoice}} for {{amount}} remains unpaid, 14 days past its due date of {{due\_date}}. Please arrange payment within the next few days, or contact me to discuss. Pay link: {{pay\_link}}.  
  
Thank you,  
{{your\_name}}

Final notice

**When to send:** 30 days after the due date  
**Tone:** Formal; give a deadline and the next step

**Subject:** Final notice before further action: invoice {{invoice}}

Hi {{name}},  
  
Despite previous reminders, invoice {{invoice}} for {{amount}} remains unpaid and is now 30 days overdue. Please settle the balance within 7 days to avoid late fees or further action under our terms. Pay link: {{pay\_link}}.  
  
Regards,  
{{your\_name}}

## How do I write a payment reminder email?

Keep it short and friendly: greet the customer, state the invoice number and amount, give the due date, and include a payment link. Before the due date the tone is a gentle heads-up; after it, it becomes a clear request for a payment date. Use the templates above as your starting point.

## What is a good collections email sequence?

A pre-due reminder a few days before the due date, a note on the due date, then escalating overdue emails at roughly 3, 7, 14 and 30 days past due, ending in a final notice. Consistency matters more than the exact days.

## How do I write a final notice for an overdue invoice?

Be formal and specific: reference the invoice and the previous reminders, state how overdue it is, give a clear deadline (for example 7 days), and explain the next step (late fees or further action under your terms). The final-notice template above follows this structure.

## Should collections emails be automated?

Automating the sequence keeps it consistent and saves hours, while you still personalize the high-value or sensitive accounts by hand. Accounts receivable software can send these on a schedule; see our [software guide](/reviews/best-accounts-receivable-software/).

## How do I keep a good relationship while chasing payment?

Lead with a helpful tone, assume the best (most late payments are oversights), make paying effortless with a link, and only escalate the tone gradually. Offering to resolve any invoice query also keeps things constructive.

## Related reading

Independent software reviews and guides from Accounting.Events.

[Template

### AR action plan template

The full 10-stage collections cadence and tracker.

Read more →](/resources/accounts-receivable-action-plan-template/)[Template

### AR aging report template

Group unpaid invoices into aging buckets automatically.

Read more →](/resources/accounts-receivable-aging-report-template/)[All resources

### Resources, templates and calculators

Every free AR guide, template and calculator we publish.

Read more →](/resources/)

AE

[Accounting.Events editorial team](/about/)

The Accounting.Events editorial team researches and maintains the software comparisons on this site. Rankings are built from published vendor pricing, verified third-party reviews on the Xero App Store, G2 and Capterra, and primary-source statistics. Every guide carries the date it was last checked. Figures here are drawn from public sources; always confirm with your accountant or the linked source before acting.

Last updated September 28, 2026. This guide is general information, not accounting, tax, or financial advice.