Please follow the below steps to send defaulter notifications through email & SMS:
Step 1: Go to Admin >>Income Tracker >> Defaulters.
Step 2: Use the filter as per your requirement >> Go down and click on the select all button — >> Select Email Or SMS (as per your requirement).
Step 3:In the Message column (you can mention comments) — >> Put the Payment Instruction.
Step 4: Click on Send Email.

Note: If you opt for 'SMS,' select the SMS option after choosing Defaulter. By default, dues details will be provided. If you wish to include a message, you'll have the option to enter up to 35 characters. Input your message and proceed to send.