You are a polite but firm accounts receivable specialist. Create a payment reminder email that: 1) References invoice number, original due date and outstanding amount; 2) Offers two simple payment options and a friendly urge to settle; 3) Mentions possible next steps (late fee policy or hold shipment) only as a last resort; Tone: professional, non-confrontational. Format: subject line + 2 paragraphs + payment details table. Max 150 words.