בזמן שבעל הכרטיס משלים את האימות, מכינים כרטיס חלופי.

בזמן ש־ means while or at the time that.

So:

• בזמן שבעל הכרטיס משלים את האימות = while the cardholder completes the verification

It introduces a time clause, similar to English while.

A few related expressions:

• כש־ = when / while
• בזמן ש־ = a slightly more explicit while / during the time that

In many contexts, כשבעל הכרטיס... could also work, but בזמן ש־ emphasizes the overlap in time a bit more.

בעל הכרטיס is a construct chain in Hebrew, called סמיכות.

It literally looks like:

• בעל = owner / holder
• הכרטיס = the card

Together, בעל הכרטיס means the holder of the card or the cardholder.

This is a very common Hebrew structure:

• בית ספר = school, literally house of book
• ראש הממשלה = prime minister, literally head of the government
• בעל הכרטיס = cardholder, literally owner/holder of the card

Hebrew often prefers this compact structure over של phrases, especially in formal or standard wording.

Here בעל means owner, holder, or person associated with something.

In this sentence, בעל הכרטיס is best understood as the cardholder.

Important note: בעל can have different meanings depending on context, such as:

• owner
• husband
• master / possessor of

But in bureaucratic, banking, and administrative language, בעל + noun often means the person who holds or owns that thing:

• בעל חשבון = account holder
• בעל רכב = vehicle owner
• בעל הכרטיס = cardholder

משלים is in the present tense.

The verb is להשלים, which can mean to complete.

So:

• משלים = completes / is completing

In Hebrew, the present tense often covers meanings that English splits into:

• completes
• is completing
• sometimes even a more general completing

In this sentence, because of בזמן ש־, the natural English translation is something like:

• while the cardholder completes the verification
• while the cardholder is completing the verification

Both are reasonable.

את marks a definite direct object.

Here:

• משלים = completes
• האימות = the verification
• את האימות = the verification, as the direct object of the verb

Hebrew uses את before a direct object when that object is definite, for example:

• אני רואה את הילד = I see the boy
• הוא משלים את האימות = he completes the verification

But if the object were indefinite, את would usually not appear:

• הוא משלים אימות = he completes a verification / completes verification

האימות is definite: the verification or the authentication.

This usually suggests a specific verification process already known in the context, such as a security check, identity verification, or authentication step.

So:

• אימות = verification / authentication
• האימות = the verification / the authentication

In administrative or technical Hebrew, adding ה־ often signals a particular procedure that both speaker and listener already know about.

This is a very common Hebrew pattern: third person plural is often used in an impersonal way.

So מכינים כרטיס חלופי literally means:

• they prepare a replacement card

But in English, the natural meaning is usually:

• a replacement card is prepared
• they prepare a replacement card
• a replacement card gets prepared

The sentence does not necessarily mean that a specific, named group of people is important. Hebrew often uses plural verbs like this when the doer is unknown, unimportant, or left unstated.

This is similar to English they in sentences like:

• They say it will rain
• They’re checking your application now

Yes. A passive version would also be possible, for example:

• מוכן כרטיס חלופי = a replacement card is prepared / being prepared
• or in a fuller passive construction, depending on style

But in modern Hebrew, especially in everyday and administrative language, the impersonal plural is often very natural and common.

So מכינים כרטיס חלופי sounds normal and idiomatic, even where English might prefer a passive like a replacement card is being prepared.

In Hebrew, adjectives usually come after the noun.

So:

• כרטיס = card
• חלופי = replacement / alternative

Together:

• כרטיס חלופי = a replacement card

This is the normal noun + adjective order in Hebrew:

• בית גדול = a big house
• ספר מעניין = an interesting book
• כרטיס חלופי = a replacement card

Because the whole phrase is indefinite:

• כרטיס חלופי = a replacement card

When a noun + adjective phrase is definite in Hebrew, both the noun and the adjective normally get ה־:

• הכרטיס החלופי = the replacement card

But here the sentence says:

• מכינים כרטיס חלופי = they prepare a replacement card

So both words stay indefinite.

Yes. Hebrew adjectives agree with the noun in gender and number.

כרטיס is masculine singular, so the adjective is also masculine singular:

• כרטיס חלופי

Compare:

• כרטיסים חלופיים = replacement cards
• תעודה חלופית = a replacement certificate/document
• תעודות חלופיות = replacement certificates/documents

So חלופי is the correct matching form for כרטיס.

Yes. Hebrew can also say:

• מכינים כרטיס חלופי בזמן שבעל הכרטיס משלים את האימות.

That means the same thing: A replacement card is prepared while the cardholder completes the verification.

Putting the time clause first, as in the original sentence, slightly foregrounds the timing:

• While the cardholder completes the verification, ...

Putting the main clause first is also completely natural.

Grammatically, yes, it is masculine singular.

In real usage, masculine forms in Hebrew can sometimes be used generically, especially in formal or older-style administrative language. But if the writer wanted to refer specifically to a female cardholder, they could say:

• בעלת הכרטיס

So:

• בעל הכרטיס = male cardholder, or sometimes generic cardholder in formal style
• בעלת הכרטיס = female cardholder

In modern user-facing text, some writers try to avoid gender ambiguity, but many official texts still use the masculine form generically.