Templates · Utility
WhatsApp payment reminder templates for invoices, EMIs and fees
Polite, factual payment reminder templates for due, due-today and overdue amounts, written as utility messages with realistic samples and Hindi and Hinglish versions.
By Broadchat teamPublished 6 min read
Before you submit these templates
- A payment reminder is utility only when it refers to a specific bill the customer already owes: name the invoice, account or order, the amount and the date. A generic "pay your dues" line reads as marketing or spam.
- Never ask for a full card number, CVV, UPI PIN or OTP in the template. Meta lists requests for sensitive data as a common rejection reason, and genuine customers have learned to distrust such messages.
- Keep overdue wording firm but neutral. Threats ("legal action", "we will visit your house") are a listed rejection reason and also drive blocks and reports that hurt your quality rating.
- Point the Pay button at your own domain or your payment gateway's domain, with the invoice id as the URL variable. Avoid link shorteners.
- Do not add upsell lines such as "upgrade to the annual plan and save". Send renewal offers as a separate marketing template.
- Use real-looking samples: "INV-2026-0418", "₹1,499", "15 Oct 2026". Samples like "xxx" or "amount" are a frequent cause of rejection.
What makes a good WhatsApp payment reminder
The WhatsApp payment reminder templates on this page are written for one job: getting an amount the customer already owes paid on time, without sounding like a collection agent. Each one names the bill, the amount and the date, links to a payment page, and gives the customer a way to reply. That combination is what Meta expects from a utility template, and it is also what customers act on.
Use them if you send recurring bills (broadband, SaaS, society maintenance), instalments (school and coaching fees, EMIs) or one-off invoices. If your message is mainly about a new plan, a discount for paying early or a festive offer, it is a marketing message; see the re-engagement templates instead.
A reminder schedule that does not annoy
Most businesses need no more than three or four reminders per bill. The schedule below is illustrative; adjust it to your billing terms.
| When | Template | Who receives it |
|---|---|---|
| 3-5 days before due | invoice_due_reminder | Everyone with an open invoice |
| Due date, morning | payment_due_today | Only those still unpaid |
| 3-7 days after due | payment_overdue_notice | Only those still unpaid |
| On failure | auto_debit_failed | Mandate or card failures |
Every extra reminder to someone who has already paid is a reason to block you. Remove paid customers before each send, and stop the sequence as soon as a payment arrives.
Sending them from Broadchat
- Create each template in CRM → WhatsApp Templates with the Utility category and the sample values shown, and submit it. Meta's review can take up to 24 hours.
- For a monthly billing run, open CRM → Bulk Campaign, upload a CSV with columns such as name, invoice, amount and due date, and map each template variable to a column. Schedule the campaign for the morning you want it delivered.
- For reminders driven by your billing system, call the Broadchat API or a webhook-triggered workflow when an invoice becomes due, so only unpaid customers receive the message.
- Route replies such as Already paid or Need more time to your accounts team in CRM → Live Chat, where agents can answer freely while the customer's 24-hour window is open.
Cost and quality
Meta charges per delivered template message, and utility templates are charged whether or not the customer's service window is open. The exact rate depends on the category and the recipient's country; see how WhatsApp API pricing works. Payment reminders that customers expect rarely hurt your quality rating; reminders sent to people who already paid, or written in a threatening tone, do.
For the rules every template must follow, read the WhatsApp message templates guide. Agencies running billing reminders for several clients can do so from one white-label panel.
Sources
- Template components — Meta for Developers, checked 12 October 2026
- Templates overview — Meta for Developers, checked 12 October 2026
- Pricing on the WhatsApp Business Platform — Meta for Developers, checked 12 October 2026
Broadchat team · Product and partner success team
The people who build and support Broadchat, the white-label WhatsApp Business API platform. We write from what we see while onboarding partners and their clients on the official WhatsApp Cloud API, and we check every article against Meta's current documentation.
Last updated:
11 payment reminders templates
Copy the wording, then submit it from CRM → WhatsApp Templates with the sample values shown. Meta reviews every template; approval is never guaranteed.
Hi {{1}}, this is a reminder from Nimbus Fibernet that invoice {{2}} for {{3}} is due on {{4}}. You can pay online with the button below. Please ignore this message if you have already paid.
Reply HELP to talk to our accounts team
- Pay now
Invoice due in a few days
Utilityinvoice_due_reminderLanguage: en
Use it when: Three to five days before the due date, for every open invoice of a customer who opted in to WhatsApp billing updates.
Variables Variable Meaning Sample {{1}} Customer first name Priya {{2}} Invoice number INV-2026-0418 {{3}} Amount due with currency ₹1,499 {{4}} Due date 15 Oct 2026 - The URL button's own variable (the invoice id) is set separately from the body variables when you send the template.
Hi {{1}}, your Nimbus Fibernet bill of {{2}} for account {{3}} is due today. Paying before midnight keeps your connection active without interruption.
- Pay bill
- Already paid
Payment due today
Utilitypayment_due_todayLanguage: en
Use it when: On the morning of the due date, only for customers who have not paid yet.
Variables Variable Meaning Sample {{1}} Customer first name Arjun {{2}} Amount due ₹799 {{3}} Customer account id NF-204511 - Connect the Already paid reply to a chatbot flow that asks for the transaction reference and assigns the chat to your accounts team.
- State the real consequence of non-payment (service pause) plainly; do not exaggerate it.
Hi {{1}}, our records show that invoice {{2}} for {{3}} was due on {{4}} and is still unpaid. If you have paid already, please share the payment reference here so we can update your account. If you need more time, reply and our team will help.
- Pay invoice
- Need more time
Overdue payment notice
Utilitypayment_overdue_noticeLanguage: en
Use it when: Three to seven days after the due date, once a due-today reminder has gone unanswered.
Variables Variable Meaning Sample {{1}} Customer first name Meera {{2}} Invoice number INV-2026-0377 {{3}} Overdue amount ₹2,349 {{4}} Original due date 5 Oct 2026 - Offering a way to ask for more time keeps the tone helpful and gives your team a conversation instead of a block.
Dear {{1}}, your EMI of {{2}} for loan account ending {{3}} will be auto-debited on {{4}}. Please keep enough balance in your linked bank account so the debit succeeds and no bounce charge applies.
Never share your OTP or PIN with anyone
Loan EMI reminder
Utilityemi_due_reminderLanguage: en
Use it when: Two to three days before an auto-debit (NACH or e-mandate) date for lenders, NBFCs and finance companies.
Variables Variable Meaning Sample {{1}} Borrower name Rahul Sharma {{2}} EMI amount ₹6,250 {{3}} Last 4 digits of the loan account 4821 {{4}} Debit date 5 Nov 2026 - Show only the last four digits of the loan account; a full account number counts as sensitive data.
- Mention bounce charges only if your loan agreement has them, and in the same words.
Dear parent, the {{1}} fee instalment of {{2}} for {{3}} at Vidya Coaching Centre is due on {{4}}. You can pay online or at the front office between 9 am and 5 pm.
- Pay fee online
- Call front office
School or coaching fee instalment
Utilityfee_instalment_reminderLanguage: en
Use it when: A week before each instalment falls due, sent to the parent number registered at admission.
Variables Variable Meaning Sample {{1}} Instalment name second quarter {{2}} Amount ₹12,500 {{3}} Student name and class Aarav (Class 9) {{4}} Due date 10 Nov 2026 - Starting with a fixed greeting ("Dear parent") keeps the first variable away from the start of the body.
Hello {{1}}, the maintenance charge of {{2}} for flat {{3}} at Greenleaf Residency is due by {{4}}. Payments after this date attract the late fee approved in the society's bye-laws.
- Pay maintenance
Rent or society maintenance due
Utilityrent_maintenance_dueLanguage: en
Use it when: At the start of each billing cycle for housing societies, co-working spaces and landlords managing several units.
Variables Variable Meaning Sample {{1}} Resident name Mr Iyer {{2}} Maintenance amount ₹3,600 {{3}} Flat number B-704 {{4}} Due date 10 Oct 2026 Hi {{1}}, your {{2}} subscription ends on {{3}}. To keep using it without a break, renew for {{4}} before that date. Your data stays safe even if the plan lapses.
- Renew now
Subscription renewal due
Utilitysubscription_renewal_dueLanguage: en
Use it when: Seven days and again one day before an existing paid plan expires.
Variables Variable Meaning Sample {{1}} Customer first name Kavya {{2}} Plan name Ledgerbook Business {{3}} Expiry date 31 Oct 2026 {{4}} Renewal price including GST ₹4,720 - Quote the renewal price of the same plan only. Mentioning a discount or a bigger plan makes it marketing.
Hi {{1}}, we could not collect {{2}} for your {{3}} plan on {{4}} because the payment was declined by your bank. Please update your payment method or pay manually to avoid an interruption.
- Update payment
Auto-debit or card charge failed
Utilityauto_debit_failedLanguage: en
Use it when: Right after a recurring payment, UPI AutoPay mandate or card charge fails.
Variables Variable Meaning Sample {{1}} Customer first name Rohan {{2}} Amount ₹1,180 {{3}} Plan name Starter {{4}} Attempt date 12 Oct 2026 - Do not include the decline reason code from the gateway; customers cannot act on it and it may contain card details.
Thank you, {{1}}. We have received {{2}} against invoice {{3}}. The remaining balance of {{4}} is due by {{5}}, and you can pay it with the same link.
- Pay balance
Part payment received, balance due
Utilitypartial_payment_balanceLanguage: en
Use it when: When a customer pays part of an invoice, for example an advance for a wedding order or a first instalment.
Variables Variable Meaning Sample {{1}} Customer first name Sneha {{2}} Amount received ₹5,000 {{3}} Invoice number INV-2026-0402 {{4}} Balance due ₹2,500 {{5}} Balance due date 20 Oct 2026 नमस्ते {{1}} जी, निंबस फ़ाइबरनेट के बिल नंबर {{2}} की राशि {{3}} है, जिसे {{4}} तक भरना है। नीचे दिए बटन से ऑनलाइन भुगतान कर सकते हैं। अगर आप पहले ही भुगतान कर चुके हैं, तो कृपया इस मैसेज को अनदेखा करें।
- अभी भुगतान करें
Invoice due reminder (Hindi)
Utilitypayment_reminder_hiLanguage: hi
Use it when: For customers who chose Hindi or who usually write to you in Hindi.
Variables Variable Meaning Sample {{1}} Customer name सुनीता {{2}} Invoice number INV-2026-0418 {{3}} Amount due ₹1,499 {{4}} Due date 15 अक्टूबर - Write dates in the sample the way the customer will see them (15 अक्टूबर), not in a format the reviewer has to decode.
Namaste {{1}} ji, {{2}} ki {{3}} fees {{4}} tak jama karni hai. Online payment ke liye neeche button dabaiye, ya office mein 9 se 5 baje tak jama kar sakte hain. Dhanyavaad, Vidya Coaching Centre
- Fees bharein
Fee reminder (Hinglish)
Utilitypayment_reminder_hinglishLanguage: en
Use it when: For parents who write in Roman-script Hindi. WhatsApp has no separate Hinglish language code, so this sample is submitted under English (en).
Variables Variable Meaning Sample {{1}} Parent name Sharma {{2}} Student name Aarav {{3}} Instalment and amount doosri kisht ₹12,500 {{4}} Due date 10 November - Keep Hinglish spellings consistent across your templates; reviewers and customers both read it more easily.
Frequently asked questions
Is a payment reminder a utility or a marketing template?
Utility, when it is about a specific amount the customer already owes, such as an invoice, EMI or fee instalment, and contains no offer. If you add a discount for early payment or promote another plan, Meta treats it as marketing and may recategorise the template.
Can I include a UPI payment link in the reminder?
Yes. Use a URL button that opens your payment page or your gateway's payment link, with the invoice or order id as the URL variable. Keep the link on your own or your gateway's domain rather than a link shortener.
How many reminders should I send for one bill?
Three or four at most: before the due date, on the due date and once or twice after it. Remove customers who have paid before every send, because reminders to people who already paid lead to blocks and reports.
Why was my overdue reminder rejected?
The usual reasons are threatening wording, a request for sensitive data such as card numbers or OTPs, vague text without a specific bill, or a variable at the very start or end of the body. Rewrite it in a neutral tone with the bill details and resubmit.