Die Ratenzahlung ist ohne Lastschriftmandat möglich.

Because Ratenzahlung is a feminine noun.

In German compound nouns, the last part determines the gender. Here, the last part is Zahlung, and die Zahlung is feminine. So the whole compound is also feminine:

• die Zahlung = payment
• die Ratenzahlung = payment in installments / installment payment

In this sentence, die Ratenzahlung is also the subject, so it is in the nominative case.

It is a compound noun made of:

• Rate = installment
• Zahlung = payment

So literally it is something like installment payment.

This is very common in German: instead of using several separate words, German often combines them into one noun.

Because German regularly forms compound nouns by joining words together.

Here:

• Lastschrift = direct debit
• Mandat = mandate / authorization

So Lastschriftmandat is one noun made from two smaller nouns.

This is normal German spelling, especially in formal, business, and legal language.

Ohne takes the accusative case.

So after ohne, the noun phrase must be accusative. In this sentence, that affects Lastschriftmandat.

Because Lastschriftmandat is neuter, the accusative form with an article would be:

• ohne das Lastschriftmandat = without the direct debit mandate
• ohne ein Lastschriftmandat = without a direct debit mandate

In the original sentence, the article is simply omitted.

German often omits the article in formal, bureaucratic, or business-style language, especially when speaking in a general way.

So:

• ohne Lastschriftmandat sounds concise and formal
• ohne ein Lastschriftmandat is also possible and may sound a little more everyday
• ohne das Lastschriftmandat would refer to a specific mandate

In this sentence, the article-less version sounds like general policy language.

Because möglich is the predicate adjective, and the verb ist must be in the second position in a normal German main clause.

The structure is:

• Die Ratenzahlung = subject
• ist = verb
• ohne Lastschriftmandat = prepositional phrase
• möglich = predicate adjective

German often puts the main verb in second position and leaves other elements, like adjectives in the predicate, later in the sentence.

So this is a normal pattern:

• Das ist möglich.
• Eine Änderung ist nicht möglich.
• Die Ratenzahlung ist ohne Lastschriftmandat möglich.

Yes. German allows some flexibility, as long as the finite verb stays in second position in a main clause.

For example, you could also say:

• Ohne Lastschriftmandat ist die Ratenzahlung möglich.

This version puts more emphasis on ohne Lastschriftmandat.

Both are grammatical, but the original sounds very natural in formal written German.

German often uses sein + adjective to express possibility in a formal or neutral way.

So:

• ist möglich = is possible
• kann erfolgen = can take place
• kann gemacht werden = can be done

All of these can express similar ideas, but ist möglich is especially common in notices, contracts, websites, and customer-service language.

It sounds a bit more formal and impersonal than kann.

Yes. Ratenzahlung is grammatically singular.

Even though it refers to paying in multiple installments, the noun describes the payment method or arrangement as one concept.

That is why German uses singular here:

• die Ratenzahlung ist möglich

If you used the plural Ratenzahlungen, that would usually mean multiple installment-payment arrangements, not one arrangement made up of several installments.

Yes, it sounds quite formal and administrative.

Clues include:

• the compound noun Lastschriftmandat
• the article omission in ohne Lastschriftmandat
• the phrase ist möglich, which is common in official or customer-service language

A more everyday version might be a little more explicit or conversational, but the original is very typical for websites, contracts, payment information, or FAQ pages.

In German, all nouns are capitalized.

So in this sentence:

• Ratenzahlung is capitalized because it is a noun
• Lastschriftmandat is capitalized because it is a noun

Words like ist, ohne, and möglich are not nouns, so they are not capitalized.