طريقة الدفع بطاقة ائتمان.

• طريقة = method, way
• الدفع = payment, paying
• بطاقة = card
• ائتمان = credit

So the whole phrase means something like Payment method: credit card or The payment method is a credit card, depending on context.

In Arabic, present-tense sentences often do not use an explicit verb for to be.

So:

• طريقة الدفع بطاقة ائتمان
  can naturally mean
• The payment method is a credit card

If you want a fuller version, Arabic can say:

• طريقة الدفع هي بطاقة ائتمان

The word هي can be added for clarity, but it is often omitted.

Because طريقة الدفع is an iḍāfa construction, often called a construct phrase.

In an iḍāfa:

• the first noun usually does not take ال
• the second noun controls whether the whole phrase is definite or indefinite

So:

• طريقة الدفع = the method of payment / the payment method

Even though طريقة has no ال, the whole phrase is definite because الدفع is definite.

Yes, طريقة الدفع is an iḍāfa.

An iḍāfa links two nouns together, often corresponding to English structures like:

• X of Y
• or noun+noun compounds

So:

• طريقة الدفع literally = method of the payment
• natural English = payment method

This is extremely common in Arabic.

Yes.

• بطاقة ائتمان literally = card of credit
• natural English = credit card

This is a very common Arabic pattern: English often uses noun+noun compounds, while Arabic often expresses them as iḍāfa phrases.

So ائتمان here is not an adjective meaning credit. It is a noun, and the whole phrase means credit card.

Because بطاقة ائتمان is indefinite: it means a credit card or credit card as a type.

Compare:

• بطاقة ائتمان = a credit card
• بطاقة الائتمان = the credit card

In menus, checkout pages, and labels, the indefinite form is very common when naming a payment option.

Often, yes.

If you want to say by credit card, Arabic commonly uses بـ:

• ببطاقة ائتمان = by credit card / with a credit card

So a fuller phrasing could be:

• طريقة الدفع ببطاقة ائتمان

The version you were given is likely a short label-style phrase, where Arabic drops extra words and keeps only the key information:

• Payment method: credit card

If you treat it as a full nominal sentence meaning The payment method is a credit card, the fully vocalized form would be:

• طريقةُ الدفعِ بطاقةُ ائتمانٍ

Here:

• طريقةُ is nominative
• الدفعِ is genitive because it is the second part of an iḍāfa
• بطاقةُ is nominative as the predicate
• ائتمانٍ is genitive because it is the second part of another iḍāfa

If you expand it to by credit card, then you would say:

• طريقةُ الدفعِ ببطاقةِ ائتمانٍ

Now بطاقةِ is genitive because of the preposition بـ.

In normal unvocalized Arabic writing, these endings are usually not written.

Yes, in this kind of phrase it does.

• By itself, بطاقة is usually pronounced roughly biṭāqa in pause.
• In an iḍāfa, the final ة is pronounced as t before the next word.

So:

• بطاقة ائتمان is pronounced roughly biṭāqat iʾtimān

This is a very important pattern:

• ة often sounds like -a / -ah at the end of a word in pause
• but like -t when followed by another word in an iḍāfa or with endings attached

It is pronounced roughly iʾtimān.

There is a small break after the initial i, because of the hamza:

• i-ʾti-mān

So the whole phrase بطاقة ائتمان sounds roughly like:

• biṭāqat iʾtimān

Because الدفع is a verbal noun (called a maṣdar) from the verb دفع.

So:

• دفع as a verb can mean he paid or to pay in dictionary form
• الدفع is the noun payment or paying

Arabic uses verbal nouns very often where English uses ordinary nouns:

• السفر = travel
• الدخول = entry
• الخروج = exit
• الدفع = payment

It is natural in certain contexts, especially:

• website checkout pages
• app interfaces
• forms
• labels
• menus

In those settings, short noun phrases are very common.

In fuller speech or writing, Arabic might use something more expanded, such as:

• طريقة الدفع هي بطاقة ائتمان
• الدفع ببطاقة ائتمان

So the given phrase is natural, but it has a concise, label-like style.