What to say.
A REMINDER BEFORE THE DUE DATE
Brief and neutral. "Invoice 2026-041 for ₦X is due on Friday. Details attached."
A REMINDER ON THE DUE DATE
"Invoice 2026-041 for ₦X was due today. Please confirm when payment will be made."
A FIRMER REMINDER
State the amount, the original date, how overdue it is, and ask for a payment date.
Asking for a date is more effective than asking for payment.
A FINAL NOTICE
State the position, what happens next, and a deadline.
Only state consequences you will act on.
WHAT NOT TO WRITE
Apologies for chasing Long explanations Anything hostile
WHAT WORKS
Short, factual, with a clear request.
FOR NIGERIAN CUSTOMERS
Email plus a WhatsApp message or phone call.
Email alone is frequently not read.
WHAT TO KEEP
A record of every reminder sent.
That matters if it escalates.
