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@jeremieca Yeah, I've tested some emails and the ones that looked like a person wrote them had the largest amount responses. Of course it also depends on the subject line and content.
Automatic emails when the payment date is coming up as a reminder. Then we try to draw the money when the payment is due for 2 days. After that we send an automatic email that the payment has failed and to contact us within 48 hours to resolve the issue or the account will become locked.
Write down spec. Maybe do a quick mockup in Sketch or go into code straight way.