Payment Chaser Letter Generator
Enter the invoice details and pick a tone. You get an email or letter you can copy, with the statutory interest and fixed sum filled in if you want them.
Worked examples
A firm follow-up
£1,000 invoice, due 1 August 2026, today 20 September 2026, interest ticked
Total now due £1,086.10
Interest of £16.10 and the fixed sum of £70 are explained in the letter.
A friendly reminder
£250.50 invoice one day late
A short, warm message
No interest is mentioned unless you tick the option.
A final notice
£4,000 invoice 40 days late
Asks for payment by a date and mentions further action
The date is today plus the number of days you choose.
About Payment Chaser Letter Generator
Most late invoices are forgotten, not refused, so the first message should be short, friendly and clear about what is owed. If that does not work, you need a firmer follow-up with a date to pay by, and after that a final notice that says what you will do next. This generator writes all three in plain language and fills in your figures, so that you can send a consistent message quickly and keep a record of when you sent it.
For business customers in the UK, you can also add interest at 8% over the Bank of England base rate and a fixed sum of £40, £70 or £100 depending on the size of the invoice. Tick the option and the amount is worked out for the days between the due date and today, added to the total you ask for, and explained in the letter. The wording is a starting point and not legal advice. For large or disputed debts, talk to an adviser before you start a court claim.
How to use Payment Chaser Letter Generator
- Enter your name, the client, the invoice number, the amount and the due date.
- Check today's date and how many days you will give them to pay.
- Choose a tone: friendly reminder, firm follow-up or final notice.
- Tick the interest option if you want to claim it, then copy the message.
Common uses
- Chasing a customer who is a few days late
- Escalating an invoice that is weeks overdue
- Adding statutory interest to a reminder
- Keeping a consistent record of what you sent
Frequently asked questions
When should I send the first reminder?
A day or two after the due date. An early, polite reminder is often all that is needed and it keeps the relationship friendly.
Can I charge interest on any late invoice?
Between businesses, yes, under the Late Payment of Commercial Debts (Interest) Act 1998, unless your contract has its own late payment terms. It does not apply to consumers.
Which base rate does it use?
The Bank of England base rate on 30 June for a debt due from July to December, or on 31 December for a debt due from January to June. Interest is shown at 8% above that.
Is the final notice a legal letter?
No. It is a firm business letter that says what you may do next. If you are going to court, take advice about the steps you must follow first.
What should I attach?
A copy of the invoice and any agreement about the payment terms. It saves the customer a reply asking for them.