diff --git a/app/Jobs/SendPaymentFailedReminderJob.php b/app/Jobs/SendPaymentFailedReminderJob.php
new file mode 100644
index 0000000..28cee69
--- /dev/null
+++ b/app/Jobs/SendPaymentFailedReminderJob.php
@@ -0,0 +1,44 @@
+<?php
+
+namespace App\Jobs;
+
+use App\Mail\PaymentFailedDay3Reminder;
+use App\Mail\PaymentFailedDay5Reminder;
+use App\Models\User;
+use Illuminate\Contracts\Queue\ShouldQueue;
+use Illuminate\Foundation\Queue\Queueable;
+use Illuminate\Support\Facades\Mail;
+use InvalidArgumentException;
+
+final class SendPaymentFailedReminderJob implements ShouldQueue
+{
+    use Queueable;
+
+    public function __construct(
+        public readonly int $userId,
+        public readonly int $day,
+    ) {
+        $this->onQueue('notifications');
+    }
+
+    public function handle(): void
+    {
+        $user = User::find($this->userId);
+
+        if ($user === null) {
+            return;
+        }
+
+        if ($user->grace_period_until === null) {
+            return;
+        }
+
+        $mailable = match ($this->day) {
+            3 => new PaymentFailedDay3Reminder($user),
+            5 => new PaymentFailedDay5Reminder($user),
+            default => throw new InvalidArgumentException("Unsupported reminder day: {$this->day}"),
+        };
+
+        Mail::to($user->email)->send($mailable);
+    }
+}
diff --git a/tests/Feature/Payments/SendPaymentFailedReminderJobTest.php b/tests/Feature/Payments/SendPaymentFailedReminderJobTest.php
new file mode 100644
index 0000000..35dc787
--- /dev/null
+++ b/tests/Feature/Payments/SendPaymentFailedReminderJobTest.php
@@ -0,0 +1,54 @@
+<?php
+
+use App\Jobs\SendPaymentFailedReminderJob;
+use App\Mail\PaymentFailedDay3Reminder;
+use App\Mail\PaymentFailedDay5Reminder;
+use App\Models\User;
+use Illuminate\Foundation\Testing\RefreshDatabase;
+use Illuminate\Support\Facades\Mail;
+
+uses(RefreshDatabase::class);
+
+it('sends the day-3 mailable when grace_period_until is still set', function (): void {
+    Mail::fake();
+    $user = User::factory()->create(['grace_period_until' => now()->addDays(2)]);
+
+    (new SendPaymentFailedReminderJob($user->id, 3))->handle();
+
+    Mail::assertSent(PaymentFailedDay3Reminder::class, fn ($mail) => $mail->hasTo($user->email));
+});
+
+it('sends the day-5 mailable when grace_period_until is still set', function (): void {
+    Mail::fake();
+    $user = User::factory()->create(['grace_period_until' => now()->addDay()]);
+
+    (new SendPaymentFailedReminderJob($user->id, 5))->handle();
+
+    Mail::assertSent(PaymentFailedDay5Reminder::class, fn ($mail) => $mail->hasTo($user->email));
+});
+
+it('silently skips the day-3 mailable when grace has been cleared', function (): void {
+    Mail::fake();
+    $user = User::factory()->create(['grace_period_until' => null]);
+
+    (new SendPaymentFailedReminderJob($user->id, 3))->handle();
+
+    Mail::assertNothingSent();
+});
+
+it('silently skips the day-5 mailable when grace has been cleared', function (): void {
+    Mail::fake();
+    $user = User::factory()->create(['grace_period_until' => null]);
+
+    (new SendPaymentFailedReminderJob($user->id, 5))->handle();
+
+    Mail::assertNothingSent();
+});
+
+it('silently skips when the user no longer exists', function (): void {
+    Mail::fake();
+
+    (new SendPaymentFailedReminderJob(999999, 3))->handle();
+
+    Mail::assertNothingSent();
+});