Learn Hardcore Malay: Kedai tempatan itu menerima bayaran tunai dan tanpa tunai. - That local shop accepts cash and cashless payments.

itu marks definiteness or distance (that/the). It points to a specific, known shop. Without itu, kedai tempatan reads more like a general category (local shops in general).

Why is the adjective after the noun? Shouldn’t it be tempatan kedai?

In Malay, adjectives normally follow nouns: kedai tempatan, rumah besar, etc. The demonstrative also goes last: kedai tempatan itu.

Is menerima the right verb for “accept payments”? Can I use terima or ambil?

Yes, menerima is the standard transitive form in neutral/formal Malay. In casual speech you will hear kedai tu terima bayaran...; avoid ambil here, because ambil means “take” physically, not “accept” as a policy.

Should it be bayaran or pembayaran?

Both are acceptable, with a small nuance:

bayaran = a payment/fee (the thing paid).
pembayaran = the act/process of paying. For shop signs, both occur. If in doubt, pembayaran is the safest for the process; bayaran is very common too.

Is bayaran tunai dan tanpa tunai good style, or should I repeat bayaran?

It’s fine as is. Malay often omits repeated heads in coordinated phrases. If you want full symmetry or extra clarity, you can say:

menerima bayaran tunai dan bayaran tanpa tunai
menerima pembayaran tunai dan tanpa tunai You can also use an either–or frame: menerima bayaran sama ada tunai atau tanpa tunai.

Can I say tidak tunai instead of tanpa tunai?

Prefer tanpa tunai for “cashless.” tidak tunai is understandable but uncommon/awkward. You may also see the formal term nirtunai (rare in everyday Malaysia). In Indonesian, the common term is nontunai.

What about wang tunai?

wang tunai literally “cash money.” You can say bayaran wang tunai, but most people simply say bayaran tunai.

Why use dan (and) rather than atau (or)?

dan states the shop accepts both types. atau can imply a choice in a given transaction. To express “either ... or ...”, use sama ada ... atau ....

Do I need secara or dengan before tunai?

Not required here, because tunai and tanpa tunai directly modify bayaran. Alternatives:

With manner marker: menerima pembayaran secara tunai dan secara tanpa tunai (grammatical but wordy).
For the payer: membayar dengan tunai = pay with cash.

Is this sentence formal, neutral, or casual? How would signs or speech differ?

Neutral. Common variants:

Formal/signage: Kedai tempatan itu menerima pembayaran tunai dan tanpa tunai. / Kami menerima pembayaran tunai dan tanpa tunai.
Casual speech: Kedai tu terima bayaran tunai dan tanpa tunai. (tu = colloquial itu)

How do I pronounce the tricky parts?

kedai: ke-dai (ai like “eye”)
tempatan: tem-pa-tan (first e is a schwa)
menerima: me-ne-ri-ma (first e is a schwa)
bayaran: ba-ya-ran (tap the r)
tunai: tu-nai
tanpa: tan-pa
itu: i-tu

Is this singular or plural? How do I say “local shops”?

With itu, it points to one specific shop. For plural, reduplicate the noun: kedai-kedai tempatan. If they are specific, add itu: kedai-kedai tempatan itu.

Any difference between tempatan and setempat?

tempatan = local (origin/affiliation). Very common with products, shops, brands.
setempat = of the same place/area; often used with people or services (e.g., penduduk setempat). kedai setempat is understandable but less common than kedai tempatan.

Could I use the passive voice here?

Yes: Bayaran tunai dan tanpa tunai diterima (oleh) kedai tempatan itu. This foregrounds the payments rather than the shop.

Do I need yang anywhere in this sentence?

No. yang introduces relative clauses or adds focus. Here kedai tempatan itu is a simple noun phrase; yang would be unnecessary.

How can I add examples of cashless methods?

Extend the object phrase, for example: Kedai tempatan itu menerima pembayaran tanpa tunai seperti kad kredit/debit, e-dompet, pindahan bank, dan kod QR.