طريقة الدفع لاسترداد المبلغ هي بطاقة الائتمان.

This is an iḍāfa construction, often called a genitive/construct phrase.
طريقة الدفع literally means the method of payment.

In an iḍāfa:

• the first noun is the thing being described: طريقة = method
• the second noun specifies it: الدفع = the payment / payment

So Arabic often uses noun + noun where English uses of.

In an iḍāfa, the first noun usually does not take ال. The definiteness of the whole phrase comes from the second noun.

So:

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

Because الدفع is definite, the whole phrase is definite.

The لـ here usually expresses purpose, so it means for or in order to.

• استرداد = recovery / refund / reclaiming
• لاسترداد = for recovering / for refunding / in order to recover

So لاسترداد المبلغ means for refunding the amount or to recover the amount.

No. استرداد is a verbal noun (maṣdar), not a finite verb.

It comes from the verb استردّ = to recover / reclaim / refund. Arabic very often uses a verbal noun where English might use:

• an infinitive: to recover
• or a gerund: recovering

So لاسترداد المبلغ is literally something like for the recovery of the amount, but in natural English it is usually translated more smoothly.

المبلغ means the amount / the sum. It is definite because it usually refers to a specific amount already known from the context, such as the amount being refunded.

So:

• مبلغ = an amount
• المبلغ = the amount

In practical contexts like payments, refunds, and forms, Arabic often uses the definite form when the amount is understood.

That is true in many simple sentences: Arabic often has no written word for present-tense is.

But here هي is useful because both sides of the sentence are definite noun phrases:

• طريقة الدفع لاسترداد المبلغ
• بطاقة الائتمان

When both parts are definite, Arabic often inserts a pronoun like هو or هي to make the structure clearer and separate the subject from the predicate. So هي is not exactly the same as an English verb, but in translation it works like is.

Because the subject is طريقة, and طريقة is a feminine singular noun.

So the pronoun must agree with it:

• طريقة ... هي ...
• not طريقة ... هو ...

Even though English would use it, Arabic still marks grammatical gender.

Because بطاقة الائتمان is also an iḍāfa construction.

It literally means the card of credit, which is how Arabic expresses the credit card. In an iḍāfa:

• the first noun usually does not take الـ
• the second noun can take الـ

So:

• correct: بطاقة الائتمان
• not correct: البطاقة الائتمان

The first word in this structure normally stays without الـ.

Yes. That is the natural English translation.

Even though the structure is literally closer to card of credit, the normal meaning is just credit card. This is a good example of why Arabic iḍāfa phrases should often be translated naturally, not word-for-word.

Because this sentence is identifying the payment method, not saying pay by credit card.

The structure is:

• The payment method ... is the credit card

So بطاقة الائتمان is the predicate noun of the sentence.

If you wanted to say by credit card, you would normally use بـ:

• ببطاقة الائتمان = by credit card

In fully vocalized formal Arabic, it would be:

طريقةُ الدفعِ لاستردادِ المبلغِ هي بطاقةُ الائتمانِ

A quick breakdown:

• طريقةُ: nominative, because it is the subject
• الدفعِ: genitive, because it is the second part of iḍāfa
• لاستردادِ: genitive after لـ
• المبلغِ: genitive in this noun construction
• بطاقةُ: nominative, because it is the predicate
• الائتمانِ: genitive, as the second part of iḍāfa

In normal unvoweled writing, these endings are usually not shown.

Yes, but the original order is very natural for a formal statement.

The sentence starts with the topic: طريقة الدفع لاسترداد المبلغ. Then it tells you what that method is: بطاقة الائتمان.

Arabic can change word order for emphasis, but this version is clear and standard, especially in administrative or customer-service language.