Payment reminder

People usually deal with multiple financial commitments. These include credit card bills, loan EMIs, insurance premiums, and investment payments. These payments are often time-sensitive, and missing a due date can lead to penalties, reduced credit scores, or service disruptions.

Despite this, customers don’t always remember exact due dates or keep track of every recurring payment. A single missed reminder can result in failed payments, increased support tickets, and customer frustration.

This is where a payment reminder email sequence becomes essential for fintech companies. Instead of relying on one notification, a structured email flow keeps customers informed well in advance and nudges them at the right moments.

In this guide, we’ll walk you through how to build a complete payment reminder email sequence.

Why should you use an email flow?

Email is particularly effective for payment reminders in fintech because it combines reliability, clarity, and compliance-friendly communication.

Financial communication needs to be precise and accessible. Emails allow you to clearly share payment amounts, due dates, and account details in a format customers can revisit anytime. With personalization, you can include details like loan type, billing cycle, outstanding balance, or masked account numbers, making reminders more relevant.

Email also supports automation and timing. You can schedule reminders days before the due date, closer to the deadline, and on the due date itself. This matters because one reminder is rarely enough. Customers may miss or ignore it. Multiple touchpoints increase the chances of timely payment without sounding aggressive.

All these factors make email the most dependable channel for payment reminders in fintech.

What is a payment reminder email sequence?

A payment reminder email sequence is a set of automated emails sent to customers before and on a payment due date to remind them to complete a financial transaction.

In fintech, this sequence often includes advance notifications, follow-up reminders, and a final due-date nudge. Emails may contain payment summaries, secure payment links, confirmations, and brief explanations of what happens if a payment is missed.

How to build a payment reminder email sequence

Building an email sequence can be easy if you’re following a well-defined set of steps. Here are the steps for you to follow:

Step 1: Plan your campaign

Planning is critical for payment reminders in fintech because messaging needs to be accurate, timely, and customer-friendly. A clear plan helps you avoid confusion and ensures consistency across all reminders. Start by outlining the following:

• Objective: Reduce missed or delayed payments

• Target audience: Customers with upcoming payment due dates

• Messaging tone: Clear, neutral, and reassuring

• Number of emails: 4

• Timeline: 7 days leading up to the due date

We used Mailmodo AI to create a complete campaign plan for a fintech payment reminder sequence. It delivered a detailed outline covering goals, email timing, and what each email should achieve. We reviewed the plan and customized it to match the specific requirements.

Take a look at the prompt we used. Click on the arrow to see the output we received.

Step 2: Create audience segments

Segmentation is especially important in fintech because not all users have the same payment behavior or obligations. Sending reminders only to relevant customers improves trust and engagement. You can segment users based on:

• Payment due date
• Payment status (pending, failed, completed)
• Product type (loan, credit card, insurance, investment)
• Payment method (auto-debit vs manual)
• Outstanding amount

We used Mailmodo AI to quickly create an audience segment for this email sequence. Once it was done, we got the option to review, make edits using the builder, or ask AI to carry out the changes we wanted. Once we confirmed, Mailmodo AI created the segment instantly and it was ready to use for a campaign.

Take a look at the prompt we used, along with the output we got.

Step 3: Create the email templates

Once segmentation is ready, the next step is creating the emails that will be sent as part of the sequence. Here’s a sample list of emails that you should be creating for your payment reminder email sequence. We’ve also included sample prompts that you can use in Mailmodo AI to generate these email templates in minutes instead of having to spend hours creating them.

Email #1: Payment notification

When to send: 7 days before the due date

Purpose: Inform customers about the upcoming payment

What to include:

• Payment due date
• Amount payable
• Type of payment (loan EMI, credit card bill, etc.)
• Instructions to review or update payment details

Here’s a sample prompt to generate this kind of email, along with the output it will produce.

Email #2: Reminder email

When to send: 5 days before the due date

Purpose: Avoid payment failure

What to include:

• Reminder of upcoming payment
• Total amount due
• Secure payment link
• Note on maintaining sufficient balance for auto-debit

Here’s a sample prompt to generate this kind of email, along with the output it will produce.

Email #3: Follow-up Reminder email

When to send: 1 day before the due date

Purpose: Reach customers who missed earlier reminders

What to include:

• Urgent reminder of next-day payment
• Summary of payment details
• Support contact details for payment issues

Here’s a sample prompt to generate this kind of email, along with the output it will produce.

Email #4: Final nudge

When to send: On the due date

Purpose: Prompt immediate action

What to include:

• Payment due today message
• Clear steps to complete payment
• Brief explanation of the consequences of non-payment

Here’s a sample prompt to generate this kind of email, along with the output it will produce.

Step 4: Build the automated workflow

Once your emails are ready, the next step is to automate them so every new user receives them at the right moment. A typical fintech payment reminder workflow includes:

• Trigger: Payment due date is 7 days away
• Delays: 2 days → 4 days → 1 day
• Branching logic: If payment completed → exit workflow; If payment pending → continue reminders
• Exit criteria: Payment successful or account status changes

We used Mailmodo AI to generate the full automated workflow from scratch. It mapped triggers, delays, conditions, and exits. Once the output was ready, we just had to review the overall journey following a setup checklist and ask the AI to make the tweaks we wanted in the workflow.

Take a look at the prompt that we used and the output we received.

Step 5: Analyze and improve

Fintech payment reminders are highly performance-driven, so regular analysis is key to improving results. Important metrics to track include:

• Email open rates
• Click-through rates on payment links
• Payment success rate
• Time taken to complete payment
• Drop-off after each reminder

You can also ask Mailmodo AI to analyze the performance of your email sequence and suggest optimizations based on engagement and conversion data. Here’s a sample prompt that you can use for this:

Conclusion

In the fintech industry, timely payments are critical for both customers and businesses. A missed payment can damage trust, disrupt services, and increase operational overhead.

With tools like Mailmodo, fintech teams can simplify planning, creation, automation, and optimization of payment reminder sequences—ensuring smoother payments and better customer experiences.