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Template library

Payments WhatsApp templates

Most unpaid invoices are not disputes; they are messages that never got opened. WhatsApp payment reminders regularly see 90%+ open rates, which is why collections teams move their dunning sequence there first. These templates cover the full payment lifecycle for Indian businesses, from the first payment link to the refund confirmation.

40 ready-to-edit templatesOne tap to load any template into your accountOpen any template in the playground

Browse Payments templates

New Payment Link

payment_link_new_invoice_v1

Utility

Sent the moment an invoice is generated, to give the customer a one-tap way to pay.

{{1}}INV-2381{{2}}Sharma Enterprises{{3}}12,500{{4}}12 Aug 2026

Complete Your Payment

payment_link_order_checkout_v1

Utility

Sent when a customer confirms an order on call or chat and payment is the only pending step.

{{1}}ORD-90412{{2}}Priya{{3}}3,499

Booking Payment Link

payment_link_service_booking_v1

Utility

Sent after a service slot is blocked, asking the customer to pay to lock the booking.

{{1}}Full car detailing{{2}}14 Aug 2026{{3}}11:00 AM{{4}}1,999

Payment Link Resent

payment_link_resend_v1

Utility

Sent when a customer asks for the payment link again or the earlier link expired.

{{1}}INV-1104{{2}}8,260{{3}}15 Aug 2026, 11:59 PM

Due in 3 Days

due_reminder_3day_v1

Utility

Sent three days before an invoice due date to prompt on-time payment.

{{1}}Mehta & Sons{{2}}INV-7742{{3}}22,000{{4}}9 Aug 2026

Due Tomorrow

due_reminder_tomorrow_v1

Utility

Sent one day before the due date as the final on-time nudge.

{{1}}5,750{{2}}INV-3318{{3}}Rohan{{4}}250

Due Today

due_reminder_today_v1

Utility

Sent on the morning of the due date for payments still unpaid.

{{1}}14,800{{2}}Anand Traders, Pune{{3}}INV-5527

Weekly Dues Summary

due_reminder_weekly_statement_v1

Utility

Sent weekly to B2B buyers summarising all open invoices and the nearest due date.

{{1}}Kavya Distributors{{2}}3{{3}}86,400{{4}}11 Aug 2026

Gentle Overdue Nudge

overdue_gentle_3day_v1

Utility

Sent 2-3 days after the due date, assuming the miss was an oversight.

{{1}}INV-6690{{2}}9,300{{3}}3 Aug 2026

Late Fee Applied

overdue_late_fee_applied_v1

Utility

Sent when a late fee has been added to an overdue invoice, showing the revised amount.

{{1}}INV-2210{{2}}500{{3}}13,000{{4}}1 Aug 2026

Overdue - Talk to Us

overdue_7day_call_option_v1

Utility

Sent about a week past due, offering a conversation instead of another payment push.

{{1}}Ananya{{2}}INV-4451{{3}}31,200{{4}}8

Final Payment Notice

overdue_final_notice_v1

Utility

Sent as the last automated message before the account moves to manual collections.

{{1}}INV-0187{{2}}48,500{{3}}21{{4}}18 Aug 2026

Approval & performance

Getting payments templates approved — and opened

Payment reminders qualify as Utility only if they reference an existing order or agreement the customer already has. Add a promotional line like a discount for paying early and Meta reclassifies the template as Marketing at review time, which changes your per-message cost.

Include the amount, due date and a reference number as variables in every reminder. Templates with concrete transaction details get approved faster and get far fewer 'is this a scam?' replies than vague 'your payment is pending' messages.

For overdue sequences, submit each escalation step as a separate template rather than editing one template repeatedly. Edits push a template back into review and can pause your live sequence for 24-48 hours.

Building the full journey? See how WhatsApp works for payment reminders.

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FAQ

Frequently asked questions

Are payment reminder templates Utility or Marketing?

Reminders about a specific existing transaction, such as an unpaid invoice, an upcoming EMI or a failed charge, are Utility. The moment the message promotes anything beyond that transaction, for example an offer to upgrade or an early-payment discount, Meta treats it as Marketing. Keep collection messages strictly transactional to hold the lower Utility rate.

Can I send a payment link inside a WhatsApp template?

Yes. You can place a URL button on the template or include a short link in the body as a variable. URL buttons look more trustworthy and track clicks, so most businesses use a button labelled Pay now that opens their UPI, Razorpay or payment-gateway page.

How many overdue reminders can I send for one invoice?

There is no hard Meta limit, but customer block rates rise sharply after 3-4 messages for the same invoice. A common sequence is: 3 days before due, on the due date, 3 days after, then 7 days after with a call-us option. If a customer blocks or reports you, your quality rating drops and Meta can restrict your messaging limits.

Do I need a customer's opt-in to send payment reminders?

Yes. Meta requires opt-in for all business-initiated template messages, including Utility ones. In practice, consent collected at signup or checkout that mentions transaction updates on WhatsApp covers payment reminders. Keep a record of when and how each customer opted in.

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