chúle yùfùkuǎn yǐwài, hái yào xuǎnzé fùkuǎnfāngshì.

This is a very common pattern meaning besides / apart from / in addition to ..., also ...

So in this sentence:

• 除了预付款以外 = apart from the advance payment
• 还要选择付款方式 = you also need to choose a payment method

A useful template is:

• 除了 A 以外，还 B
• Besides A, also B
• In addition to A, B as well

The key point is that this pattern is additive here, not exclusive.

还 means also / still / in addition here.

In this sentence, it works together with 除了……以外 to show that there is one more thing that needs to be done.

So:

• 除了预付款以外，要选择付款方式 = understandable
• 除了预付款以外，还要选择付款方式 = more natural and clearer, because 还 explicitly marks the added action

When learners see 除了, it helps to look for 还 / 也 / 都 later in the sentence, because those words often complete the pattern.

Not really. Here 要 means need to / have to / be going to need to, not want.

So:

• 我要咖啡 = I want coffee
• 还要选择付款方式 = also need to choose a payment method

This is a very common source of confusion, because 要 has several meanings depending on context. In instructional or procedural language, it often means need to.

Because Chinese often drops the subject when it is already clear from context.

English usually needs something like:

• you also need to choose a payment method
• we also need to choose a payment method
• the customer also needs to choose a payment method

Chinese can simply say:

• 还要选择付款方式

The subject might be:

• 你 / 您
• 我们
• 客户

but it is omitted because the situation already tells you who is being talked about.

Yes on both counts.

1. 以外 and 之外

They are very similar here:

• 除了预付款以外，还要选择付款方式
• 除了预付款之外，还要选择付款方式

Both are natural. 之外 can sound a little more formal or written, but in many cases they are interchangeable.

2. Omitting 以外 / 之外

You can also say:

• 除了预付款，还要选择付款方式。

This is very common in everyday Chinese. The sentence still sounds natural.

No. It can mean either:

1. besides / apart from / in addition to
2. except for

The meaning depends on the rest of the sentence.

In this sentence, it means besides / in addition to, because the sentence continues with 还要.

Compare:

• 除了预付款以外，还要选择付款方式。
  = Besides the advance payment, you also need to choose a payment method.

• 除了预付款以外，没有别的费用。
  = Except for the advance payment, there are no other fees.

So 还 helps signal the additive meaning.

Not exactly.

预付款 usually means advance payment / prepayment — money paid before the full transaction is completed.

It is not always the same as:

• 定金 = deposit / earnest money
• 押金 = security deposit
• 首付款 = down payment

So 预付款 is a broader term for money paid in advance. Depending on context, translating it as deposit might be okay, but it is not a perfect one-to-one match.

Because 选择付款方式 is a normal verb + object structure:

• 选择 = to choose
• 付款方式 = payment method

Chinese word order here is straightforward:

• 还要 = also need to
• 选择 = choose
• 付款方式 = payment method

So the structure is basically:

• [adverb] + [modal verb] + [main verb] + [object]

In this sentence:

• 还
  • 要
    • 选择
      • 付款方式

Literally, it breaks down like this:

• 付款 = make a payment / pay
• 方式 = method / way

So 付款方式 means payment method.

Common examples of 付款方式 include:

• 现金 = cash
• 信用卡 = credit card
• 微信支付 = WeChat Pay
• 支付宝 = Alipay

This is a very common business and e-commerce term.

Yes, often you can.

Both are common:

• 付款方式
• 支付方式

Both can mean payment method.

Very roughly:

• 付款 often feels a bit more like paying a bill / making a payment
• 支付 is slightly more formal and broad, often used in written or technical contexts

In many real-world situations, they are interchangeable. In customer service, online shopping, and forms, both are very common.

Here it is hái.

That is because 还 has multiple pronunciations:

• hái = still / also / yet
• huán = return / give back

In this sentence it means also, so it is pronounced hái:

• 还要 = hái yào

It sounds like neutral written/practical Chinese, the kind you might see in:

• customer service instructions
• checkout steps
• booking systems
• payment pages
• business communication

It is not overly formal, but it is also not especially casual. It sounds clear and standard.

A very natural spoken version might be:

• 除了预付款，还得选付款方式。
• 除了预付款，还要选付款方式。

These are a bit more conversational, especially with 选 instead of 选择.

Yes. You could add one if needed:

• 除了预付款以外，您还要选择付款方式。
• 除了预付款以外，客户还要选择付款方式。
• 除了预付款以外，我们还要选择付款方式。

Adding a subject can make the sentence clearer, but it is not necessary if the context already makes it obvious.

This is one of the big differences from English: Chinese often leaves out information that is understood from the situation.