bid/module/Members/view/emails/balance-payment-reminder.phtml

<h4>
    <?php echo $this->_('Account Balance Payment Reminder'); ?>
</h4>
<p>
    <?php echo sprintf(
        $this->_('This is a notification for clearing your account balance for your user account, <strong>%s</strong>. The balance is %s debit.'),
        $this->data['user']['username'],
        $this->amount($this->data['user']['balance'])); ?>
</p>

<p>
    <?php echo $this->_('Please'); ?>
    [ <a
        href="<?php echo $this->sitePath . $this->url(array('module' => 'app', 'controller' => 'payment', 'action' => 'credit-balance'),
                null, false, null, false); ?>">
        <?php echo $this->_('click here'); ?>
    </a> ]
    <?php echo $this->_('to clear your account balance.'); ?> <br>
    <?php echo $this->_('Please note that you will have to login first.'); ?>
</p>
<p>
    <?php echo $this->_('Best regards'); ?> <br>
    <?php echo $this->siteName; ?></p>
</p>