Invoice Chaser
Payment reminder email generator — from friendly nudge to final demand letter
Invoice details
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Fill in the invoice details or click Sample to generate a payment reminder email.
How to chase late payments
Days 1-7 (Friendly): A light touch. Assume they forgot. Keep it warm — most late payments are just oversight, not refusal.
Days 8-30 (Formal): Professional and clear. Reference the invoice terms, mention any late fees, and set expectations for payment timeline.
30+ days (Final demand): Firm, specific, and legally sound. State the total due (including late fees), give a deadline (7 business days), and mention potential escalation to collections or small claims court.
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How chasing late payments works — illustrated
Payment chasing follows a predictable escalation ladder: stay friendly while the invoice is only a few days overdue (most late payments are oversight, not refusal), get formal once it passes a week, and issue a final demand with a hard deadline once it crosses 30 days. If your invoice carries a late-fee percentage, that fee compounds onto the balance, which the formal and final templates quote explicitly. The psychology matters too — the longer an invoice goes unpaid, the less likely it is to be paid, so the cadence exists to keep your debt fresh and your claim legally documented before you escalate to collections or small claims.
The example follows a $3,500 invoice that is 29 days overdue with a 1.5% late fee — past the friendly window, so the formal template applies and the fee has been added: $3,500 × 1.5% = $52.50, for a total due of $3,552.50. If it passes 30 days unpaid, the final-demand template gives the client 7 business days before escalation to collections or small claims.
Jordan owns Smith Design Studio. Acme Corp's invoice INV-2026-042 for $3,500 was due June 1, 2026, and is now 29 days overdue. The invoice terms include a 1.5% late fee.
- Where are we?:29 days overdue → past the 1-7 day friendly window, so the Formal template is the right tone
- Late fee:$3,500 × 1.5% = $52.50 added to the balance per the invoice terms
- Total due:$3,500 + $52.50 = $3,552.50 — the formal email quotes this explicitly
- Next trigger:If Acme still has not paid at 30+ days, the Final-demand template gives 7 business days before collections or small claims