Saya mendapat bayaran balik.

It follows the very common Malay word order:

Subject + Verb + Object

• Saya = subject
• mendapat = verb
• bayaran balik = object

So the structure is directly parallel to English I + got/received + a refund.

Saya means I.

It is the most common and safe way to say I in standard Malay, especially in:

• neutral situations
• polite conversation
• writing
• speaking to strangers, teachers, coworkers, etc.

A learner may also see aku, which also means I, but aku is more informal and depends a lot on relationship and context. If you are unsure, saya is the safer choice.

Mendapat means to get, to obtain, or sometimes to receive.

In this sentence, it means something like:

• got
• received
• obtained

So Saya mendapat bayaran balik means that the speaker received a refund or repayment.

Both are related, but they are not used in exactly the same way.

• dapat often means can / be able to, or sometimes get
• mendapat is a full verb meaning to obtain / to receive

Examples:

• Saya dapat pergi = I can go
• Saya mendapat hadiah = I received a gift

In everyday spoken Malay, people often do use dapat in the sense of got:

• Saya dapat bayaran balik

That sounds natural in conversation.
Saya mendapat bayaran balik is a bit more formal or careful.

Literally, it is made up of:

• bayaran = payment
• balik = back / return

So the literal idea is payment back.

In natural English, that usually becomes:

• refund
• repayment
• reimbursement
  depending on context

So even though the literal parts are easy to see, you should understand bayaran balik as a set phrase meaning money that is returned to someone.

Bayaran comes from the root bayar, which means to pay.

The ending -an often turns a verb/root into a noun. So:

• bayar = pay
• bayaran = payment

This is a very useful pattern in Malay. A learner who notices this will find many similar words.

In Malay, modifiers often come after the main noun.

Here, the main noun is bayaran and balik adds the idea of back/returned.

So:

• bayaran balik = payment back = refund

This may feel reversed compared with English, where we often put descriptive words before the noun.

Yes, it is grammatical and understandable.

However, depending on context, some alternatives may sound more natural in everyday speech:

• Saya dapat bayaran balik = I got a refund
• Saya menerima bayaran balik = I received a refund
• Saya sudah dapat bayaran balik = I already got the refund

So the original sentence is fine, but menerima or dapat may also be common choices.

Both can work, but there is a small nuance:

• mendapat = get / obtain
• menerima = receive

Menerima can sound slightly more like the speaker is the receiver of something being given or transferred.
Mendapat is a bit broader and can mean obtaining something more generally.

In many everyday situations, the difference is small, and both may translate well into English.

Not by itself.

Malay does not mark tense the same way English does.
Saya mendapat bayaran balik could mean:

• I get a refund
• I got a refund
• I received a refund

The exact time usually comes from context or time words.

Examples:

• Semalam saya mendapat bayaran balik. = Yesterday I got a refund.
• Saya sudah mendapat bayaran balik. = I have already gotten / I already got a refund.
• Saya akan mendapat bayaran balik. = I will get a refund.

Malay does not use articles the way English does.

English needs words like:

• a
• an
• the

Malay usually does not.

So:

• bayaran balik can mean a refund or the refund, depending on context.

This is very normal in Malay.

Usually, no—not in standard usage.

Even though wang means money and balik means back, wang balik is not the normal phrase for refund.

More natural expressions include:

• bayaran balik
• pulangan wang in some contexts

So it is better to learn bayaran balik as a chunk.

Not normally.

Malay word order is fairly fixed here. The natural order is:

• Saya mendapat bayaran balik

If you change it to Bayaran balik saya mendapat, it sounds wrong or very unnatural.

For a beginner, the safest pattern is:

Subject + Verb + Object

A few common ways are:

• Saya dapat bayaran balik.
• Saya dah dapat bayaran balik.
  (dah is a spoken form of sudah)
• Saya baru dapat bayaran balik. = I just got a refund.

So if you want more everyday spoken Malay, dapat is very common.

Possibly, depending on context, but by itself it more naturally suggests I got / received a refund.

If you want to clearly express an ongoing action, Malay often adds context or other wording, for example:

• Saya sedang menerima bayaran balik. = I am receiving a refund.
• Saya akan mendapat bayaran balik. = I will get a refund.

So the plain sentence is most naturally understood as a simple statement that the refund was received or obtained.