RCS use case

Payment reminders on RCS

Show the amount, due date and a Pay now button in one card, and know who read the reminder before anyone picks up the phone.

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Payment in two taps
Smarter follow-up
Harder to fake

RCS payment reminder from a verified school showing a fee due card with amount and due date, Pay now and Already paid buttons

What is an RCS payment reminder?

An RCS payment reminder is a rich card sent from a verified business showing the amount due, the due date and a reference such as an invoice or loan number, with buttons like Pay now, Already paid and Talk to us. Read receipts and taps show who engaged, and customers without RCS receive the same reminder as a service SMS.

Updated 15 Nov 2026

Why use RCS for payment reminders?

Payment in two tapsPay now opens a pre-filled payment page or UPI link, so busy customers can pay the moment they read.

Smarter follow-upRead and Already paid signals let your team skip customers who have paid and call those who never opened the reminder.

Harder to fakeA verified name and logo help customers trust the payment link, at a time when fake payment messages are everywhere.

How do you set up payment reminders with RCS?

Your system lists duesYour billing, loan or fee software picks accounts due in the next few days.
The reminder is sentMsgClub sends the card by RCS, or the DLT-approved SMS where RCS is not available.
The customer respondsPay now leads to payment; Already paid and Talk to us come back as reply events.
The ledger catches upPayment and reply events update the account, and unread reminders trigger the next step, such as a call.

RCS templates for payment reminders

Copy, edit and use these as a starting point.

Bill dueRich card

Title: ₹{amount} due on {due_date}
Body: {reference_type} {reference_no} from {business}. Pay before the due date to avoid a late fee of ₹{late_fee}.
Buttons: Pay now | Already paid | Talk to us

Overdue, politeSuggested replies

Title: Payment of ₹{amount} is overdue
Body: Hi {name}, we have not received payment for {reference_no}, due on {due_date}. When can you pay?
Buttons: Pay today | Pay this week | Talk to us

Reminder fallbackSMS fallback

Dear {#var#}, Rs {#var#} for {#var#} is due on {#var#}. Pay securely: {#var#} -{#var#}

Rich cards and buttons are set up per campaign in your MsgClub panel; text is editable.

Which industries use RCS for payment reminders?

Banks, NBFCs and lendersHow do NBFCs and lenders use RCS messaging?See how

Property management and housing societiesHow can housing societies use RCS messaging?See how

Schools, colleges and coaching institutesHow do coaching institutes use RCS messaging?See how

Broadband, ISP and DTH providersHow do broadband and DTH companies use RCS?See how

SaaS and subscription businessesHow do subscription businesses use RCS?See how

Small and medium businessesShould a small business use RCS messaging?See how

What are the best practices for payment reminders?

Do this

Send the first reminder 3 days before the due date, not after it
Always offer Already paid so customers can tell you without a call
Keep the tone factual; never threaten or mention penalties you will not apply
Use the payer's own reference number so they can check it against their records

What to measure

Payments received within 48 hours of the reminder
Read rate of reminders versus calls needed per 100 accounts
Already paid replies that matched a real payment

Connect results to your CRM with the RCS API and webhooks. See how pricing works.

Questions about RCS payment reminders

Can customers pay directly from an RCS reminder?

Yes, through a button. Pay now opens your payment gateway page or a UPI link, ideally pre-filled with the amount and reference. The payment happens on your gateway, and your system can confirm it to the customer with a follow-up message.

Are RCS payment reminders transactional or promotional?

Reminders about an amount the customer owes are service messages and do not need marketing consent. They must stay focused on the payment. Adding an offer for a new product turns the message promotional, with consent and timing rules attached.

How soon before the due date should I send a reminder?

About 3 days before works for most bills and EMIs, with a second reminder on the due date. For large amounts or annual fees, add one a week earlier. Stop reminders as soon as a payment or Already paid reply arrives.

What tone should an overdue reminder use?

Factual and polite. State the amount, reference and original due date, and offer choices like Pay today, Pay this week or Talk to us. Lenders must follow RBI's fair practices expectations, and threatening language damages trust for any business.

What if the customer uses a basic phone?

They receive the same reminder as a DLT-approved service implicit SMS with a payment link. For customers who rarely act on text, a reminder call through voice broadcast or AI Voice can follow if the SMS goes unpaid.

Can I see who read the payment reminder?

Yes, for RCS deliveries. Read receipts and button taps are reported per number and sent to your system by webhook. Customers who got the SMS version show delivery status only, so keep the two groups separate in your follow-up plan.

AI calls for payment remindersWhen people need to talk back, ask questions or agree a date, an AI voice agent handles the call and logs the outcome.See AI Voice

More RCS use cases

Same job on other channels

SMS: payment reminders Voice broadcast: payment reminders

All RCS use cases RCS by industry

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