אם יש עמלה נוספת, אני רוצה לשלם במזומן.

אם means if. It introduces a condition:

• אם יש עמלה נוספת = if there is an additional fee

This is a very common way to begin a conditional sentence in Hebrew.

יש is the standard Hebrew way to say there is or there are.

So:

• יש עמלה = there is a fee
• literally, Hebrew does not need a separate word for there

A useful thing to know: יש does not change for gender or number in the present tense.

• יש עמלה = there is a fee
• יש עמלות = there are fees

In Hebrew, adjectives usually come after the noun, unlike in English.

So:

• עמלה נוספת = an additional fee
• literally: fee additional

This is the normal Hebrew word order for noun + adjective.

Because it has to agree with עמלה.

עמלה is:

• singular
• feminine
• indefinite

So the adjective must also be:

• singular
• feminine
• indefinite

That gives you נוספת.

Compare:

• עמלה נוספת = an additional fee
• תשלום נוסף = an additional payment

Here נוסף changes to match the gender of the noun.

Hebrew does not have a separate word for a or an.

So:

• עמלה can mean a fee
• עמלה נוספת can mean an additional fee

If the noun were definite, Hebrew would usually mark that with ה־:

• העמלה הנוספת = the additional fee

This is the normal Hebrew structure for want to + verb:

• אני רוצה = I want
• לשלם = to pay

Together:

• אני רוצה לשלם = I want to pay

Hebrew often uses רוצה + infinitive the same way English uses want to + verb.

The ל־ is the marker of the infinitive here, like English to in to pay.

So:

• לשלם = to pay

Many Hebrew infinitives begin with ל־:

• לאכול = to eat
• ללכת = to go
• לשלם = to pay

מזומן means cash or ready money, and the prefix ב־ often means in, by, or with, depending on the expression.

So:

• במזומן = in cash / with cash

This is simply the standard idiomatic way to say pay in cash in Hebrew:

• לשלם במזומן = to pay in cash

Yes, in normal unpointed Hebrew writing, it looks the same: אני רוצה לשלם.

But the pronunciation changes:

• a man usually says rotsé
• a woman usually says rotsá

So the spelling is the same, but the spoken form depends on the speaker’s gender.

Hebrew sometimes drops subject pronouns, but here אני is very natural and common.

One reason is that in the present tense, forms like רוצה do not clearly show person by themselves the way some past or future forms do. So including אני makes the sentence clear and natural:

• אני רוצה לשלם = I want to pay

Without אני, it could sound less complete unless the context is very clear.

Yes, that is possible, but the nuance is a little different.

• אם יש עמלה נוספת = if there is an additional fee
• אם תהיה עמלה נוספת = if there will be an additional fee

The version with יש is very natural in everyday situations, especially when talking about a possible charge in the current transaction. The version with תהיה sounds a bit more explicitly future-oriented.

The comma separates the if-clause from the main clause:

• אם יש עמלה נוספת, = if there is an additional fee,
• אני רוצה לשלם במזומן. = I want to pay in cash.

This is similar to English punctuation when a conditional clause comes first.