Wij vragen om een betalingsregeling, tenzij we direct betalen.

Both wij and we mean we.

• wij is the full/stressed form
• we is the unstressed/weaker form

Dutch often uses wij for emphasis or in slightly more formal writing, while we is very common in everyday speech and neutral writing.

So this sentence mixes them naturally:

• Wij vragen ... can sound a bit more deliberate or formal
• tenzij we direct betalen sounds very natural in the subordinate clause

You could also say:

• We vragen om een betalingsregeling, tenzij we direct betalen.
• Wij vragen om een betalingsregeling, tenzij wij direct betalen.

Those are all grammatical; the difference is mainly emphasis and style.

vragen om means to ask for or to request.

In Dutch, when you ask for a thing, you often use:

• vragen om iets = ask for something

So:

• Wij vragen om een betalingsregeling = We ask for/request a payment plan

This is a very common pattern:

• om hulp vragen = ask for help
• om uitstel vragen = ask for postponement
• om toestemming vragen = ask for permission

Without om, vragen usually works differently, for example:

• Ik vraag het hem. = I ask him that / I ask him
• Ik vraag of hij komt. = I ask whether he is coming

betalingsregeling is a compound noun. It is made up of:

• betaling = payment
• regeling = arrangement, scheme, regulation

So betalingsregeling means payment arrangement, often best translated as payment plan.

It refers to an agreement that lets someone pay in parts or over time instead of all at once.

Like many Dutch nouns, it is written as one word.

Because tenzij introduces a subordinate clause, and Dutch subordinate clauses usually send the conjugated verb to the end.

Compare:

• Main clause: We betalen direct.
• Subordinate clause: tenzij we direct betalen

So the pattern is:

• tenzij
  • subject + other elements + verb

This is one of the most important Dutch word-order rules.

tenzij means unless.

It introduces an exception to the main statement.

So the sentence means roughly:

• We request a payment plan, unless we pay immediately.

In other words:

• the normal plan is to ask for a payment arrangement
• that does not happen if the exception applies
• the exception is we pay immediately

You can often think of tenzij as except if.

direct is an adverb meaning directly or immediately.

In a subordinate clause, adverbs often appear before the final verb:

• tenzij we direct betalen

In a main clause, you would more naturally get:

• we betalen direct

So the position of direct fits normal Dutch word order.

Because een means a/an, while de means the.

Here, the sentence is talking about a payment plan, not a specific one already known to both speaker and listener.

So:

• een betalingsregeling = a payment plan
• de betalingsregeling = the payment plan

The noun itself is a de-word:

• de betalingsregeling
• een betalingsregeling

It is a de word: de betalingsregeling.

A useful rule for compound nouns in Dutch is that the last part determines the gender/article.

Here, the last part is regeling, and that is a de word:

• de regeling
• therefore de betalingsregeling

Yes. That is grammatical.

Using wij instead of we in the second clause adds more emphasis:

• tenzij wij direct betalen = unless we ourselves pay immediately

In normal everyday Dutch, we is more common and more relaxed:

• tenzij we direct betalen

So the original version sounds very natural.

Yes.

• wij vragen = we ask / we are asking
• we betalen = we pay / we are paying

In Dutch, the present tense is used very broadly. It can express:

• something happening now
• a general policy or habit
• a near-future action, depending on context

So this sentence could mean something like:

• this is what we are doing now
• this is our intended course of action
• this is our general position

Yes. In many contexts, direct and meteen both mean immediately.

So you could also say:

• Wij vragen om een betalingsregeling, tenzij we meteen betalen.

Both are correct. Very roughly:

• direct can sound a bit more formal or written
• meteen is extremely common in everyday speech

In this sentence, either one works well.