كشف الحساب واضح، لا سيما الخصم المباشر.

Because Arabic normally leaves out the present-tense verb to be in simple statements.

So:

• كشف الحساب واضح = The account statement is clear
• literally: account statement clear

This is called a nominal sentence. If you wanted past or future, then Arabic would usually use a verb such as كان or سيكون.

• كان كشف الحساب واضحًا = The account statement was clear

Here, كشف is a noun, not a verb.

As a verb, كشف can mean he uncovered / revealed.
But in this sentence, كشف الحساب is a set noun phrase meaning account statement / statement of account.

A good clue is that it is followed by another noun, الحساب, in an iḍāfa structure, and the whole phrase is then described by واضح.

Because كشف الحساب is an iḍāfa construction, often called a genitive construction or noun annexation.

In an iḍāfa:

• the first noun usually does not take الـ
• the second noun determines whether the whole phrase is definite

So:

• كشف الحساب = the account statement
• literally: statement of the account

Since الحساب is definite, the whole phrase is definite.

Also, the second noun in iḍāfa is grammatically genitive.

Because it describes the head noun كشف, which is masculine singular.

Even though كشف الحساب has two words, the main noun is the first one, كشف.
So the predicate/adjective matches that head noun:

• كشف = masculine singular
• واضح = masculine singular

It is not feminine because the head noun is not feminine.

واضح usually means clear, obvious, or easy to understand.

In this sentence, it most naturally means that the account statement is clear or easy to understand.

Depending on context, واضح can also mean:

• visually clear
• logically clear
• obvious or evident

لا سيما is a fixed expression meaning:

• especially
• particularly
• above all

It highlights one item from a group or topic already mentioned.

So here, the sentence first says the account statement is clear, then singles out one part of it:

• لا سيما الخصم المباشر = especially the direct debit

You can think of لا سيما as a formal MSA expression. Other common alternatives are:

• خصوصًا
• وخاصةً

Not too much at first.

In fully vocalized formal grammar, the noun after لا سيما can be analyzed in more than one way, so you may see different case endings in careful grammar discussions.

But in normal unvoweled writing, you usually just see:

• لا سيما الخصم المباشر

For a learner, the most useful approach is to treat لا سيما as a fixed chunk meaning especially, followed by the thing being highlighted.

Because المباشر is an adjective describing الخصم, and Arabic adjectives agree with the noun they modify.

They agree in:

• definiteness
• gender
• number
• case

So:

• الخصم المباشر = the direct debit
• خصم مباشر = a direct debit

Since the noun is definite, the adjective must also be definite.

Yes, خصم can mean different things depending on context. Its core idea is deduction / subtraction.

Common meanings include:

• discount
• deduction
• debit
• withholding

In financial or banking language, الخصم المباشر means direct debit, not a store discount.

So context is very important with خصم.

A helpful pronunciation is:

kashf al-ḥisāb wāḍiḥ, lā sīyamā al-khaṣm al-mubāshir

A few notes:

• كشف = kashf
• الحساب = al-ḥisāb
• واضح = wāḍiḥ
• خصم = khaṣm
• المباشر = al-mubāshir

So the sentence has a natural pause before لا سيما, just like the comma suggests.