When times are tough, sometimes payments get delayed. We’ve all been there, friend.
The important thing is to acknowledge the late payment and be clear about when you can make it.
It’s also a good practice to apologize when making the payment if the payment is late.
Talking Points
Hi <name>, I have just sent you my payment via <Venmo, Apple Pay, etc.>. Please accept my sincere apologies for the delay and know that I’m taking several steps to ensure my payments are on time going forward.
Thank you again for your patience and understanding.