Autobot
How to use the payment reminder message generator
- Pick the language, and how many days late the invoice is.
- Type the customer, the invoice number, the amount and the due date.
- Add your UPI ID or bank details. For a late invoice, add the date you want the money by.
- Copy the WhatsApp message, SMS or email, fill in anything highlighted, and send it.
Which message goes out when?
| Moment | Tone | What the message does |
|---|---|---|
| 3 to 5 days before due | Friendly | Gives payment details early |
| Due date | Friendly | Asks them to pay today |
| 7 days late | Firm | Asks for a payment date |
| 15 days late | Firm | Asks for payment by a fixed date |
| 30 days late | Final | States the next step |
Our guide to payment reminder messages has the same templates, plus part payments, bounced cheques and when to escalate.
FAQ
How many payment reminders should I send before taking action?
Five: before the due date, on it, and at 7, 15 and 30 days late, each a little firmer. After the final one, send a written demand or, for micro and small suppliers, file on the ODR portal.
Is a payment reminder on WhatsApp a utility or marketing message?
It should be utility, but Meta decides the category. An offer or discount line can make it marketing, which is charged and capped per person [2][3].
Do I need permission to send payment reminders on WhatsApp?
Yes. WhatsApp's policy lets you contact only people who agreed to receive messages. Add a line to your quotation or order form, such as "{business} will send invoices and payment updates to this number on WhatsApp", and stop when someone asks [4].
Can I charge interest on late payments?
That depends on your contract. A micro or small supplier with Udyam registration also gets interest by law: 3 times the RBI Bank Rate, compounded monthly, whatever the contract says [5][6]. Use the MSME interest calculator.
Is my data saved or sent anywhere?
No. The page builds the messages in your browser. Nothing you type is sent or stored, and there is no sign-up. Our analytics counts visits, never what you type. Reloading clears the form.
Sources
All pages opened on 18 Oct 2026.
- Meta, WhatsApp Business Platform, message templates overview (approval status, review time, only template messages outside the customer service window, variable format). https://developers.facebook.com/documentation/business-messaging/whatsapp/templates/overview
- Meta, WhatsApp Business Platform, template categorization (marketing, utility, authentication; utility examples; mixed content). https://developers.facebook.com/documentation/business-messaging/whatsapp/templates/template-categorization
- Meta, WhatsApp Business Platform, per-user marketing template limits (error 131049). https://developers.facebook.com/documentation/business-messaging/whatsapp/templates/marketing-templates/per-user-limits
- WhatsApp Business Messaging Policy, last updated 23 Sep 2026 (opt-in, opt-out, enforcement), and Meta's opt-in guidance. https://whatsappbusiness.com/policy/ and https://developers.facebook.com/documentation/business-messaging/whatsapp/getting-opt-in
- Micro, Small and Medium Enterprises Development Act, 2006, Gazette text as enacted, sections 2(b), 15, 16 (not amended by the 2026 Bill as introduced). https://samadhaan.msme.gov.in/WriteReadData/DocumentFile/MSMED2006act.pdf
- Reserve Bank of India, notification RBI/2026-27/283 of 7 Oct 2026, Bank Rate raised from 5.50% to 5.75%. https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13728&Mode=0
- Twilio, SMS character limits (160 characters in GSM-7, 70 in Unicode). https://www.twilio.com/docs/glossary/what-sms-character-limit
- TRAI, Telecom Commercial Communications Customer Preference Regulations, 2018, consolidated document dated 21 May 2026 (headers, content templates, variables). https://www.trai.gov.in/sites/default/files/2026-05/CA_21052026.pdf