# Overdue payment notice WhatsApp template

> Notify customers of an overdue balance on WhatsApp with the amount, days late and a link to settle. Polite utility template for collections.

- Category: Utility
- Industry: Finance and banking
- Use case: Payment reminder
- Language: en_US
- Approval rate: 71%
- Page: https://template-builder.dev/whatsapp-template/finance-overdue-payment-notice
- JSON: https://template-builder.dev/whatsapp-template/finance-overdue-payment-notice.json
- Open in the playground: https://template-builder.dev/playground#t=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

## How to get it approved

Keep the tone neutral and avoid threats or legal wording; Meta rejects aggressive collection copy. Offer a human contact button so customers can negotiate.

## Message text

Overdue balance
Hi {{first_name}}, our records show that your payment of *{{amount}}* is {{days_late}} days overdue. You can settle it now or talk to our team to review your options.
Northwind Credit

## Variables

- `{{first_name}}`: Marcus
- `{{amount}}`: $310.50
- `{{days_late}}`: 5
- `{{pay_ref}}`: INV7710

## Template JSON

```json
{
  "name": "finance_overdue_payment_notice",
  "language": "en_US",
  "category": "UTILITY",
  "header": {
    "type": "TEXT",
    "text": "Overdue balance"
  },
  "body": {
    "text": "Hi {{first_name}}, our records show that your payment of *{{amount}}* is {{days_late}} days overdue. You can settle it now or talk to our team to review your options."
  },
  "footer": {
    "text": "Northwind Credit"
  },
  "buttons": [
    {
      "type": "URL",
      "text": "Settle balance",
      "url": "https://northwindcredit.com/settle/{{pay_ref}}"
    },
    {
      "type": "PHONE_NUMBER",
      "text": "Call us",
      "phoneNumber": "+15550142"
    }
  ],
  "variables": {
    "first_name": {
      "example": "Marcus"
    },
    "amount": {
      "example": "$310.50"
    },
    "days_late": {
      "example": "5"
    },
    "pay_ref": {
      "example": "INV7710"
    }
  }
}
```

## Create it with the Meta Cloud API

```sh
curl -X POST "https://graph.facebook.com/v26.0/$WABA_ID/message_templates" \
  -H "Authorization: Bearer $META_ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
  "name": "finance_overdue_payment_notice",
  "language": "en_US",
  "category": "UTILITY",
  "parameter_format": "NAMED",
  "components": [
    {
      "type": "HEADER",
      "format": "TEXT",
      "text": "Overdue balance"
    },
    {
      "type": "BODY",
      "text": "Hi {{first_name}}, our records show that your payment of *{{amount}}* is {{days_late}} days overdue. You can settle it now or talk to our team to review your options.",
      "example": {
        "body_text_named_params": [
          {
            "param_name": "first_name",
            "example": "Marcus"
          },
          {
            "param_name": "amount",
            "example": "$310.50"
          },
          {
            "param_name": "days_late",
            "example": "5"
          }
        ]
      }
    },
    {
      "type": "FOOTER",
      "text": "Northwind Credit"
    },
    {
      "type": "BUTTONS",
      "buttons": [
        {
          "type": "URL",
          "text": "Settle balance",
          "url": "https://northwindcredit.com/settle/{{1}}",
          "example": [
            "https://northwindcredit.com/settle/INV7710"
          ]
        },
        {
          "type": "PHONE_NUMBER",
          "text": "Call us",
          "phone_number": "+15550142"
        }
      ]
    }
  ]
}'
```