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How to write a warm reminder that you don't owe money

Welcome to our shop, which is small and thin and doesn't accept credit. I hope everyone understands!

That's about it. How to say it euphemistically and comfortably? If you are a client, you can write what you want the other party to say. ? 0? This is just a meaning, and everyone understands it. When you meet an unreasonable person, you write for nothing, it is for people who understand!