How to ask for payment professionally (+ templates)

Natasa Milojevic

Last updated on: April 21, 2023

So, after a lot of focus, dedication, and productive work, you’ve finished and delivered another project. 

You did your part of the deal, so now you expect the same kind of accuracy from your client — paying for a job done. 

But what if your client forgets to pay? 

Or even worse, what if you don’t hear from them once you deliver the project? 

At first, you might hold good faith that your payment will get processed soon. But the longer you wait, the harder it will be to take action and get what you deserve. 

In situations like these, it’s essential that you take things into your own hands and ask for payment directly.

To help you with that, we’ve decided to devote this blog post to: 

  • Discovering what’s behind our fear of asking for payment,
  • Showing you how to ask for payment without being rude,
  • Explaining why it’s important to have a backup plan, 
  • Providing you with some useful strategies, tips, and templates that will help you get paid on time, and  
  • Letting you know how to ask for payment if all the above fails. 

Let’s begin! 

How to ask for payment professionally - cover

Why is talking about money such a taboo?

Avoiding money talk is perhaps one of the most widespread social norms. From companies forbidding salary discussions to friends dodging earning-related topics — money has been taboo for a while now.

In fact, Insider’s Master your Money Pulse Poll has shown that most Americans avoid discussing money to the point where they’ll more happily discuss their health or politics over their finances. 

But why do we stay out of money conversations at all costs?

Well, it has something to do with our tendency to link our self-worth with the amount of money we have, so the conversations about it are almost naturally uncomfortable. If we openly shared how much money we earn, we’d be revealing how valued we are by our employers or companies. According to Cara Macksoud, Financial Behavior Specialist, the habit of avoiding money talk is, in fact, deeply rooted in our childhoods:

Cara Macksoud - Financial Behavior Specialist

“First of all, we don’t practice [talking about money] enough. Nobody’s good at anything off the bat, and money has been a taboo topic from the time when we were little kids. We didn’t learn to talk about it more freely, we didn’t learn to navigate those conversations.”

Then, after we stepped into adulthood, these conversations did not get any easier. In fact, it’s completely the opposite according to Cara:

Cara Macksoud - Financial Behavior Specialist

“We really have a hard time when there is pressure or added stress to something and we need to bring money into that conversation — it’s what makes us feel even worse. For instance, if you have a boss who treats you poorly, it may be even harder to ask for what you’re worth.”

Since money talk usually comes hand in hand with a fear of rejection and our deep insecurities, it’s no wonder we avoid talking about it at all costs. 

How to overcome the fear of asking for payment?

Being uncomfortable discussing money with friends doesn’t take away much from your conversation, nor does it ruin your friendships. You still have a bunch of other topics to touch on, and your friends probably don’t even notice you changing the subject whenever finances come around.

However, treating money as an off-limits topic when it comes to your payment usually comes at a greater cost. You might even twitch at the very thought of bringing up the word ‘dollar’ in a business environment, let alone ask for a raise.

But is there anything to be done? 

The solution, according to Dr. Kyle Elliott, Career Coach and Forbes Coaches Council Member, lies in assessing the risks:

Kyle Elliot - Career Coach

“A helpful strategy to get over the fear is to write out the best-case and worst-case scenarios that may result from your request. You’ll quickly realize that the worst case is that you simply don’t get a raise, and the best case is you get more money in your pocket.”

The same goes for situations where you do the work on time and then wait months for your client to settle the invoice. When you weigh the pros and cons, you’ll realize that you have nothing to lose by reaching out to your client and asking for the money you’ve earned. 

As long as you stay professional, direct, and precise in your request — your payment reminder will most likely pay off in the end. 

💡 Clockify Pro Tip

If you charge your clients by the hour, you’ll need to fine-tune your system to stay on top of your hourly earnings. Find out how to do it here:

When to send a payment request email to a client?

Now that you’ve successfully conquered the fear of asking for payment for your services, you might be troubled by the question of timing. 

When is the best time to ask for payment? 

Well, the truth is — you shouldn’t wait too long. 

A good rule of thumb to avoid late payments is to issue your invoice first and then send a number of shorter emails before and after the payment due date:

  • Payment reminder email you’ll send a week before the payment due date,
  • Payment reminder email you’ll send on the day of the payment,
  • Payment reminder email you’ll send a week after the payment due date,
  • Payment reminder email you’ll send 2 weeks after the payment due date, and
  • Payment reminder email you’ll send 1 month after the payment due date.

If you send your emails in such regular intervals, you’ll remain polite and patient, but also show your clients that you are professional about your invoices and matters of payment. 

Moreover, you’ll present yourself as someone who values their work, prompting the client to value it as well.

To help you remain as professional as possible, we’ve made 5 different payment request email templates you can use for free.

💡 Clockify Pro Tip

If you’re a fan of templates, you might benefit from some of the free templates from our extensive template archive:

Payment request email templates

We know how uncomfortable it can be to ask for money from clients, especially if you’re never sure how polite or rude you might sound in your email. 

Here’s how you can phrase each individual requesting payment email you send to your client. We have 6 different payment request email templates you can download and use.

Payment request email template #1: First invoice

After you’ve successfully met your agreed deadline, now would be the time to issue your invoice to the client. 

Before reaching for the send button, try to be:

  • Polite,
  • Brief, and
  • Informative.

Additional tips for writing your first invoice email

Since the purpose of your invoice email is to provide your client with the necessary information regarding their payment, make sure the body of your email is as brief and informative as possible. 

Make sure to:

  • Include the payment due date,
  • List all the payment details (if not stated in the invoice already), and
  • Close your email on a positive note.

Here’s an example of the first invoice email you can send to your client:

First invoice example
An example of the invoice payment request email template

⬇️ Download Payment Request Email Template #1

Also, try sending your invoice at least 2 weeks before the payment due date to ensure your client has enough time to gather and organize payment documentation usually needed when paying contractors. This way, you’ll minimize the chances of waiting to receive payment for too long. 

Payment request email template #2: A week before the payment due date

While drafting the email that you’ll send one week before the payment due date, try keeping your tone: 

  • Friendly,
  • Short, and
  • Informative.

Additional tips for writing your payment request email 

You don’t need to ask for payment directly in the second email — you just need to make sure your client knows your payment terms and basic information beforehand. 

This way, you’ll position yourself as a professional who regularly tracks invoices and sends reminder emails if the client doesn’t pay on time.

Take a look at an example of the payment request email you can send to your client:

Payment reminder due one week from now
An example of the payment request email template one week before the payment due date

⬇️ Download Payment Request Email Template #2

Payment request email template #3: The day of the payment due date

When the day of the payment comes, and you still haven’t been paid, you have to act on it. It’s best to do that with another payment request email reminder. 

You should make sure to write this one while remaining: 

  • Friendly,
  • Concise, and 
  • Clear in your call to action.

Additional tips for writing your payment request email

Since this is just another polite email reminder, you should maintain a completely friendly tone with your client — the bill isn’t overdue yet. 

The most effective choice is to make this email clear and concise — with a direct call to make the payment to meet today’s payment deadline.

Here’s how you can write this payment request email reminder:

Payment reminder due today
An example of the payment request email template on the day of the payment due date

⬇️ Download Payment Request Email Template #3

Payment request email template #4: A week after the payment due date

A whole week has passed, and your client still hasn’t paid you. It’s time for another payment request email reminder. When writing this one, you should: 

  • Be more informative,
  • Use a firmer tone,
  • Emphasize the time the invoice is overdue, and
  • Include a copy of the invoice in the attachment.

Additional tips for writing your payment request email 

This is your first email about the invoice being overdue — so you’ll need to maintain a firmer tone and include a straightforward CTA. 

You should also make sure to repeat the basic invoice information, such as:

  • The invoice number, 
  • The date it was sent to the client, and 
  • The total amount due. 

You’re still giving your client the benefit of the doubt, so make sure you also include a copy of the invoice in the attachment. Perhaps you’ll find out the attachment you previously sent was faulty, and the client did not receive the invoice.

This payment email reminder can sound something like this:

Payment reminder one week overdue
An example of the payment request email template a week after the payment due date

⬇️ Download Payment Request Email Template #4

Payment request email template #5: 2 weeks after the payment due date

It’s now 2 weeks past the payment due date, and you’re probably getting anxious. Remember that remaining professional and calm is necessary even at this point. 

So, how do you write this payment email reminder? Consider the following:

  • Be as direct as possible, 
  • Come up with a clear CTA, 
  • Ask the client to confirm they received the invoice email,
  • Emphasize the time the invoice is overdue, and 
  • Include a copy of the invoice in the attachment.

Additional tips for writing your payment request email

As you send your second direct reminder email telling the client their payment is overdue, you’ll need to be even firmer and more direct. 

A clear call to action and asking the client to confirm they received the invoice email will lessen the chances that the client will ignore the email.

Although the benefit of the doubt is mostly gone by now, sending another attachment of the invoice will serve as another reminder to your client — regardless of their reason for not replying. 

This is what a good payment email reminder looks like:

Payment reminder two weeks overdue
An example of the payment request email template two weeks after the payment due date

⬇️ Download Payment Request Email Template #5

Payment request email template #6 : 1 month after the payment due date

Before you know it, it’s already one month after the payment due date. You should plan for another payment request email reminder and make sure to: 

  • Be direct and firm,
  • Use a tougher approach,
  • Remain professional and polite, and 
  • Avoid making things personal. 

Additional tips for writing your payment request email

Considering that you’ve already sent a couple of invoice emails that have been completely ignored, you should take a firmer and tougher approach with this requesting payment letter. 

Of course, remaining as professional and polite as possible should still be your top priority. 

Avoid turning to threats and direct accusations — you’ll risk seeming unprofessional and ruining your reputation. Moreover, you’ll be less likely to get paid.

An efficient way to send this final payment email reminder would be something like this:

Payment reminder one month overdue
An example of the payment request email template 1 month after the payment due date

⬇️ Download Payment Request Email Template #6

How NOT to ask for payment from clients

It’s easy to give in to frustration when you’re waiting for a payment to be issued. 

Still, it’s essential not to let your emotions overwhelm you and to keep sending professional and polite reminders to your clients. 

To help you avoid mistakes when sending our payment request email reminders, we crafted a few bad examples. 

Take a look at what you shouldn’t do when asking for payment from your clients. 

❌ Don’t send a vague payment request email reminder

You sent a payment request reminder to your client before the due date and wrote the following:

A vague payment request email
An example of a vague payment request email reminder

What’s wrong with this payment request email? 

  • The subject line is vague,  
  • There’s no precise invoice or payment information,
  • The sender didn’t include the actual due date,
  • The approach and the language are too informal, and
  • There’s too much irrelevant information for the client.

Instead of dispatching a vague email containing personal information unrelated to your subject, try being as clear and direct as possible. 

After a brief greeting, you should quickly state the purpose of your email — your payment request. 

❌ Don’t send an overly personal payment request email reminder 

Your client didn’t pay you even though you agreed on a deadline. You’ve decided to write them an email reminder sometime after the due date. You write something like this:

An overly personal payment request email reminder
An example of an overly personal payment request email reminder

What’s wrong with this payment request email? 

  • The subject line isn’t clear enough,
  • Your email is too long, indirect, and indecisive,  
  • The language is too informal and personal, 
  • You don’t point out the possible consequences of the late payment, 
  • There’s too much beating around the bush, and
  • There’s no clear call to action. 

When composing a payment request email, try to come to the point right at the beginning of your email. Make sure to include a clear subject line and an explicit call to action. 

❌ Don’t send a threatening payment request email reminder 

It’s been a month since you finished that project and still no money? You’re so angry you can’t even think straight. You send out the following email:

A threatening payment request email reminder
An example of a rude payment request email reminder

What’s wrong with this payment request email? 

  • It’s overly emotional and demanding,
  • It’s threatening and totally unprofessional, and
  • The threats are likely to prove ineffective or even counterproductive. 

Even if you’ve decided to pursue legal action against your client, threatening them is never a solution, and it could potentially even backfire on you. 

It’s always better to try to remain as polite and professional as possible, regardless of the time you’ve been waiting for their response. 

Asking for payment over the phone

In case asking for payment via email did not end up with a response, your second best option is reaching out to your client over the phone. 

Depending on the situation or your preferences, there are two things you can do: 

  • Call the client directly, or
  • Send them a text message.

Here’s how you can finally set your records straight.

📞 Calling your client to ask for payment 

When talking to the client over the phone, you should make sure to: 

  • Introduce yourself and explain why you’re calling,
  • Be concise and polite,
  • Try not to use slang words and expressions,
  • Don’t make direct accusations about the client not paying you, 
  • Maintain a polite tone that gives your client the benefit of the doubt, and
  • Summarize all details agreed upon before the conversation ends.

If in doubt about what to say to your client, you can open up in the following way:

Start a conversation over the phone
How to start a conversation with a client over the phone

No matter how the conversation continues from there, you’re likely to get some answers to your questions. You may even find that: 

  • The email address you’ve been sending invoice emails to is wrong and all your carefully crafted emails ended up in an inbox abyss.
  • You’ve been sending your invoice emails to the wrong person altogether, especially if you’re doing business with a larger company.

Whatever the reason may be, you’ll be more likely to learn about it if you talk with your client over the phone.

You’ll also be able to polish out the details for finalizing that payment in a more brisk manner than you’d be able to via email — probably because you won’t have to wait long for the reply.

💬 Texting your client to ask for payment 

If you’re really out of luck, your client may not answer the phone. The reasons for this can be different:  

  • They’re trying to stay present and focused during an important meeting, so they’ve put their phone on silent,
  • Maybe they don’t have your phone number memorized and don’t like answering phone calls from unknown numbers, or
  • Perhaps talking over the phone makes them uncomfortable, and they prefer to avoid it.

In any case, if you already have your client’s number, you should text them. This might turn out to be the fastest and easiest way to get in touch. 

You can send something like this:

Start a conversation with a client via text message
How to start a conversation with a client via text message

When you choose to send a text message, you’ll give your client more time to prepare and respond. Moreover, this way you’ll help clients who don’t like to talk over the phone feel more at ease.

Chances are, once your client realizes who you are, you’ll probably receive a call from them or a message indicating when it would be a good time to call back.

Additional tips and strategies for getting paid on time

If you’ve already had an unpleasant experience with some of your clients, or if you’re still unsure that a client you’re working with will pay you, taking steps in advance might be the smartest way to go. 

Making precautions seems like a better tactic than chasing after your clients after you’ve finished and delivered the project.

Here are a few additional tips and strategies to help you get paid on time.

💡 Clockify Pro Tip

Finding a common ground with your client or clients can sometimes be hard. To help you cross that bridge, we provide you with some useful tips in our article: 

Tip #1: Provide the client with precise records of your work

Getting paid on time can be a lot easier if you always have precise and transparent records of your work. This way, you can always prove that: 

  • You are the one who did the work,
  • You finished the work at the time you claim you did, and
  • You completed the work for that particular client. 

Your best option for achieving full transparency and accountability with your clients, is to avoid relying on your memory and keeping all your records straight in a time tracker. 

In Clockify, for example, regardless of whether you are a freelancer or an independent consultant, you can: 

Clockify records
Thanks to Clockify’s detailed report feature, you can easily provide your client with concrete proof of your work

In addition to these features, Clockify also provides you with a free time clock app that will make clocking in and clocking out as effective as possible.

Using a time tracker to keep an eye on all your projects and tasks will definitely help you minimize the chances of not being paid on time. 

💡 Clockify Pro Tip

If you’re new to the world of freelancing and you’ve just landed your first project, you need to be familiar with all the terms and processes related to your payment. Here’s a blog post to get you started:

Tip #2: Draw a contract

Most of the time, it’s best to simply put your rights and obligations on paper. 

Signing a legally binding contract may be a good way to avoid not being paid in the end. 

You might not have considered this the most crucial element in your work, but having a contract may help tip the scales in your favor.

When drawing a contract, you should make sure you include the following elements:

  • The parties involved in the contract,
  • The precise project delivery and payment terms,
  • A passage clarifying the matter of intellectual property upon project completion,
  • A passage stating your work is your intellectual property until full payment is made,
  • A passage about a penalty fee in case the original payment date is overdue, and
  • A passage clarifying what should be done in case of a dispute.

Even if the contract cannot guarantee the clients will pay you, it may still encourage them not to delay their payment for too long. 

Finally, you can also consult a legal entity about what elements you should include in your contract to maintain professionality. This will also provide proof of everything you agreed upon with your client in case you have to turn to the law.

Tip #3: Ask for an advance deposit

Asking for an advance is another great way to ensure getting paid once you finish the project. You can even include an advance deposit clause in your contract and let your clients know this is the way you do your business. 

In essence, clients who are willing to pay part of the agreed amount in advance are the ones who are taking this entire collaboration seriously. They will most likely pay you in full at the end of the project, too. 

However, clients who frown upon this section in your contract or downright refuse to sign it will probably bail on paying once you’ve completed the project. So, it’s best not to collaborate with them in the first place — it will save you both time and money. 

Yet, if you still think that a hefty advance deposit might turn away first-time clients who may be wary of your work, you can provide them with an alternative. You can ask them to pay you smaller amounts of money when you reach certain project milestones.

Tip #4: Pick a reliable payment processor

To make the entire process of payment easier for both sides, it’s important that you find a suitable and reliable way to issue payments. 

Your chosen payment processor has to be: 

  • Efficient — so you can use it without complications, 
  • Simple — so your client can use it easily, and  
  • Secure — so both your and your client’s data is protected. 

For example, PayPal is an efficient, standard choice, but there are also other useful payment processors you can try out. 

However, try to make your pick based on factors relevant to you and your clients, such as: 

  • Your client’s convenience, 
  • The region you live in, and 
  • Your own preferences.

💡 Clockify Pro Tip

If you’re still struggling with finding a great payment processor, take a look at our blog posts for more information: 

Tip #5: Invoice efficiently

A professional-looking invoice will increase the chances of you getting paid. The great thing is that the market is packed full of invoicing tools you can use for this purpose.

Invoicing tools (or tools with invoicing features) help you organize and keep in order your due payments and invoices.

In fact, if you use Clockify to stay on top of your billable hours, you can send your invoice directly from the app as soon as you’ve checked off the last task on your list. 

Clockify invoicing
In Clockify, you can easily send invoices to your clients directly from the app

Also, most of the tools send you reminders when the invoice is overdue. This means that you’ll reduce the chances of forgetting your client’s payment due date, and you can reach out to them in time. 

💡 Clockify Pro Tip

If you’ve decided to be a freelancer full-time, you might benefit from a few useful tips and start earning more than you already are: 

Tip #6: Make sure you’ve clearly communicated expectations

Sometimes you could invest months in a project only to end up empty-handed because the client was not satisfied with the final outcome.

Even though this is not a legitimate reason not to pay for a service, if you haven’t drawn a legally binding contract beforehand, the time you invested could potentially go to waste. 

To avoid such a situation, it’s always best to discuss every aspect of your project with the client upfront. Hop on a quick call, discuss all the milestones, deadlines, and goals of the project you’re about to take on and make sure to ask questions if any part of the deal sounds confusing.

Also, checking in with your client to keep them updated on your progress could help you avoid having to re-do your tasks if it turns out you weren’t exactly on the same page. 

Tip #7: Agree on milestone payments

In case you’ve landed your job on a freelance platform, you might have had this payment option set up by default. 

In a nutshell, a milestone payment is made once you’ve completed a certain stage of the project. 

For example, if you are about to begin working on a 100-page translation, you could agree with your client on getting paid a certain amount out of the total budget once you send them the first 25 pages. After you’re done with the next 25 pages, the client issues the second payment, and so on. 

This way, not only do you eliminate the potential misunderstandings regarding the final outcome of the project, but you also protect your time and prevent having to deal with missed payments. 

💡 Clockify Pro Tip

Staying on top of all the payments while balancing multiple freelancing gigs can be a handful. Take a look at the apps that could make all those processes easier:

Tip #8: Do the client research

If you haven’t had a chance to work with them before, prior to taking on any work, try finding more about your client. 

A simple step such as a Google search could potentially let you in on your client’s reputation. You might even stumble across other freelancers’ reviews on social media that could help you reach a decision on whether to work with them or not in the first place. 

Tip #9: Protect your work

Making sure you’ve inserted a watermark or limited access to your work before being fully compensated helps increase your chances of getting paid on time. 

However, this might not always be possible depending on the type of work you do. Alternatively, you could combine this method with milestone payments or an advance deposit and only release a section of your work before you receive payment. 

What to do if your client still doesn’t pay?

You’ve taken all the preventative measures and sent dozens of emails, but you still didn’t receive money for your services? Here’s what you could do next. 

Send a demand letter

If you have tried everything under the sun to ensure you get paid for your work, and your client has given you no response, your next step could be to send a demand letter. 

Most frequently used for resolving payment-related issues, a demand letter is a document that could help avoid taking a dispute to court. 

In this case, it works as a more formal reminder than emails. 

If you are considering drafting a demand letter, make sure to include all the details regarding the late payment, such as:

  • Invoice number,
  • Initial payment due date,
  • The number of days/weeks/months that have passed since you dispatched the invoice,
  • The date of your services delivery,
  • The new payment deadline, and
  • The action you intend to take.

Note:  Even though the content of a demand letter is pretty straightforward, it’s always best to consult with a legal advisor before dispatching the letter. Clockify is not responsible for any losses or risks incurred should this example be used without further guidance from legal advisors.

Demand letter example
An example of a demand letter

Seek legal advice

If the payment you’re owed outweighs the potential costs of seeking legal action, your next best shot is to consult with a lawyer. 

They are the ones who can give you the best advice regarding your further action and help you decide whether pursuing a lawsuit would be worth investing more of your time and money. 

In summary: Asking for payment can be done politely and effectively

For many of us, asking for money isn’t a walk in the park. But we also know it’s something that has to be done. 

Still, being ready to take action does not mean you should immediately attack your client if they don’t pay you on time. 

It means that you know:

  • What steps to take if a client doesn’t pay when they should,
  • How to talk to your client but remain direct, professional, and polite,
  • What tools to use to remind your clients of the pending payment (email templates and text messages),
  • How to achieve your goal without losing clients in the process, and
  • What to do if you’ve taken all the measures and your client still hasn’t paid. 

Make sure to outweigh the pros and cons of each step and reach out to a legal advisor for further guidance. Hopefully, that’ll be enough to find common ground with your client and receive the long-awaited payment. 

✉️ Do you struggle with asking for payment professionally? What tips and tricks have you tried that work to your advantage in situations like this one? If there’s something that we haven’t mentioned here but you think could help others be more successful in being paid on time, let us know at We might include your answer in this or future posts. Also, if you liked this blog post, share it with someone you think could benefit from it. 

Author: NatasaMilojevic

Natasa Milojevic is a writer, researcher, and admitted productivity and time management geek. Going over heaps of self-improvement techniques by night and testing them out by day, she is most frequently seen racing against the clock — so that you don’t have to.

Free time tracker

Time tracking software used by millions. Clockify is a time tracker and timesheet app that lets you track work hours across projects.


Learn more Arrow Right Primary
Clockify time tracker
Watch demo (12:35)
Closing video