Rekod pembayaran disimpan di pusat khidmat pelanggan.

Disimpan is the passive form of simpan (to store / to keep).

• menyimpan = to store / keeps in an active sense

  • Example: Pusat khidmat pelanggan menyimpan rekod pembayaran.
    = The customer service centre keeps the payment records.

• disimpan = is stored / is kept in a passive sense

  • Rekod pembayaran disimpan di pusat khidmat pelanggan.
    = The payment records are kept at the customer service centre.

Malay often uses the passive when the thing affected by the action is the topic of the sentence.

The sentence does not explicitly say who does it. That is normal in Malay passive sentences.

Rekod pembayaran disimpan di pusat khidmat pelanggan focuses on the records and where they are kept, not on the person or department doing the action.

If you wanted to mention the agent, you could add oleh:

• Rekod pembayaran disimpan oleh pusat khidmat pelanggan.
  = The payment records are kept by the customer service centre.

But in many real contexts, Malay leaves the agent out if it is obvious or unimportant.

Pembayaran means payment.

It comes from the root bayar (to pay) with the circumfix pem- ... -an, which often forms a noun related to the action.

So:

• bayar = pay
• pembayaran = payment

In rekod pembayaran, pembayaran functions like a modifying noun, so the phrase means payment record or records of payment.

In Malay, the usual order is:

main noun + modifier

So:

• rekod pembayaran = payment record
• literally: record payment

The first noun is the main thing, and the second noun describes what kind of thing it is.

This pattern is very common in Malay:

• pusat bandar = city centre
• kad pengenalan = identity card
• khidmat pelanggan = customer service

So rekod pembayaran is the normal Malay order.

It can be singular or plural, depending on context.

Malay nouns usually do not change form for plural the way English nouns do.

So rekod pembayaran could mean:

• a payment record
• payment records

In this sentence, English often translates it as payment records are kept..., but the Malay form itself does not force singular or plural.

If Malay speakers want to make plurality very clear, they can use reduplication or another clue from context, but often they do not need to.

Malay usually does not use articles like English a / an / the.

So a phrase like rekod pembayaran can mean:

• a payment record
• the payment record
• payment records
• the payment records

The exact interpretation comes from context.

That is why Malay sentences can look more compact than English ones.

This is a very important point.

They are not the same thing, even though they look alike.

1. di- attached to a verb

   • disimpan
   • this is a passive prefix
   • because it is a prefix, it is written attached to the verb

2. di as a separate word

   • di pusat
   • this is a preposition meaning at / in / on
   • because it is a preposition, it is written separately

So:

• disimpan = is stored
• di pusat = at the centre

This spelling difference is one of the most common things learners need to notice.

Here di marks a location. In English, depending on context, it may be translated as:

• at
• in

So di pusat khidmat pelanggan can be understood as at the customer service centre.

With places such as offices, centres, schools, counters, and buildings, English often prefers at, while Malay simply uses di.

It is a noun phrase made up of:

• pusat = centre
• khidmat pelanggan = customer service

So:

• pusat khidmat pelanggan = customer service centre

The structure is again main noun + modifier:

• pusat = the main noun
• khidmat pelanggan = tells you what kind of centre

Khidmat pelanggan means customer service.

Breakdown:

• khidmat = service
• pelanggan = customer

So literally it is service [for] customers, but the natural English translation is customer service.

This is another example of Malay noun phrases being quite compact.

Yes, often it could.

• khidmat pelanggan = customer service
• perkhidmatan pelanggan = customer service

Both are used. Very broadly:

• khidmat can sound a bit shorter and more compact
• perkhidmatan is also very common and may sound a bit more formal or full

So pusat khidmat pelanggan and pusat perkhidmatan pelanggan are both understandable, though the shorter version is very common in signs and everyday institutional language.

Yes, it is natural and standard.

It has a very typical formal/institutional style:

• topic/object first: Rekod pembayaran
• passive verb: disimpan
• location: di pusat khidmat pelanggan

This kind of wording is especially common in administrative, office, or customer-service contexts.

Yes. A natural active version would be:

Pusat khidmat pelanggan menyimpan rekod pembayaran.

This means:

The customer service centre keeps the payment records.

Comparison:

• Rekod pembayaran disimpan di pusat khidmat pelanggan.
  passive, focuses on the records
• Pusat khidmat pelanggan menyimpan rekod pembayaran.
  active, focuses on the centre

Both are correct; they just place attention differently.

Malay does not use apostrophes like English possessives.

So khidmat pelanggan does not literally mark possession the way customer's service would in English. Instead, Malay often places nouns together, and the relationship is understood from context.

So khidmat pelanggan means:

• service for customers
• naturally: customer service

This noun-plus-noun structure is very common in Malay.

A simple learner-friendly guide:

• rekod = reh-kod
• pembayaran = pem-bah-yah-ran
• disimpan = dee-sim-pan
• di = dee
• pusat = poo-sat
• khidmat = often roughly khid-mat
  
  • the kh is stronger than English h
• pelanggan = peh-lang-gan

A rough full reading:

reh-kod pem-bah-yah-ran dee-sim-pan dee poo-sat khid-mat peh-lang-gan

The most useful thing is to keep Malay vowels fairly clear and even, without the strong stress shifts common in English.