اذا ما معك كاش، فيك تدفع بالبطاقة.

Here إذا ما means if ... not.

So:

• إذا = if
• ما = not

Together, إذا ما معك كاش means if you don’t have cash on you.

In Levantine, إذا by itself can already introduce a condition, and ما adds the negation to the following part.

Both معك and عندك can sometimes be translated as you have, but they are not exactly the same.

• معك literally means with you
• عندك literally means at your place / with you / in your possession

In this sentence, معك كاش sounds very natural because it means you have cash on you—as in physically carrying cash.

So:

• إذا ما معك كاش = if you don’t have cash on you
• إذا ما عندك كاش could also be said, but معك is especially natural when talking about something you carry.

In Levantine, ما is commonly used to negate verbs and verb-like expressions, and it also often appears in phrases like ما معي / ما معك.

Examples:

• ما معي مصاري = I don’t have money
• ما بعرف = I don’t know

By contrast, مو or مش is more often used with nouns, adjectives, or whole statements:

• مو غالي = it’s not expensive
• مش مشكلة = no problem

So ما معك كاش is the natural form here.

معك is made of:

• مع = with
• -ك = you (masculine singular)

So معك literally means with you.

In Levantine, this structure is very common for expressing possession:

• معي = with me / I have
• معك = with you / you have
• معه = with him / he has
• معها = with her / she has

So ما معك كاش literally is something like cash is not with you, but in natural English we say you don’t have cash.

Here فيك means you can.

It is a very common Levantine way to express ability or possibility.

So:

• فيك تدفع بالبطاقة = you can pay by card

Literally, فيك comes from في + -ك, but as a learner it is easiest to understand it as a fixed colloquial expression meaning you can.

Other common Levantine ways to say you can include:

• بتقدر تدفع بالبطاقة
• ممكن تدفع بالبطاقة

All are natural, but فيك is especially common in everyday speech.

Because after words like فيك, Levantine usually uses the bare imperfect verb, without the habitual بـ prefix.

So:

• فيك تدفع = you can pay
• بدك تروح = you want to go
• لازم ندرس = we have to study

The بـ prefix often marks ordinary present or habitual action:

• بتدفع بالبطاقة = you pay / you usually pay by card

But after a modal expression like فيك, the bare form تدفع is the normal choice.

بالبطاقة means by card or with the card.

It breaks down like this:

• بـ = with / by / using
• ال = the
• بطاقة = card

So بالبطاقة literally means with the card.

In Arabic, بـ is often used to show the instrument or means used to do something:

• بالسيارة = by car
• بالقلم = with a pen
• بالبطاقة = by card

كاش is a common borrowed word in colloquial Arabic, from English cash.

It is very widely used in everyday speech in many Arabic-speaking places, including the Levant.

So in real conversation, كاش sounds completely normal.

A more formal Arabic word would be something like:

• نقد = cash / نقدًا

But in spoken Levantine, كاش is usually the more natural everyday choice.

Yes—the attached pronouns and sometimes the verb form change.

To one man:

• إذا ما معك كاش، فيك تدفع بالبطاقة.

To one woman:

• إذا ما معاكي كاش، فيكي تدفعي بالبطاقة.

To more than one person:

• إذا ما معكن كاش، فيكن تدفعوا بالبطاقة.

Main changes:

• معك → معاكي / معكن
• فيك → فيكي / فيكن
• تدفع → تدفعي / تدفعوا

A common pronunciation would be:

iza ma maʿak kāsh, fīk tedfaʿ bel-biṭā’a

A few notes:

• إذا → iza
• معك → maʿak
• كاش → kāsh
• فيك → fīk
• تدفع → tedfaʿ
• بالبطاقة → bel-biṭā’a

Depending on the region, pronunciation can vary a little, but this is a useful general Levantine pronunciation.

Yes. A few common alternatives are:

• إذا ما معك كاش، فيك تدفع كرت.
• إذا ما معك كاش، بتقدر تدفع بالبطاقة.
• إذا ما معك مصاري كاش، فيك تدفع بالبطاقة.
• إذا ما معك نقد، فيك تدفع بالبطاقة.

Notes:

• بتقدر = you can / you’re able to
• كرت may be used in some places for card
• مصاري كاش = cash money
• نقد is more formal than كاش

The original sentence sounds natural and everyday.