Saya meminta bayaran balik jika bungkusan hilang di pusat pengambilan.

Minta is the basic verb to ask for / to request.
Meminta is the version with the meN- prefix, which is very common in standard Malay for active verbs.

So:

• minta = ask for, request
• meminta = to request / am requesting

In everyday speech, people often say minta. In more standard or written Malay, meminta sounds more complete and formal.

Bayaran balik means refund.

It is made up of:

• bayaran = payment
• balik = back / return

So the literal idea is payment returned back.
This is a very common way Malay builds meanings: two words together create a more specific idea.

Both jika and kalau can mean if.

The difference is mainly tone:

• jika = more formal, standard, often seen in writing
• kalau = more conversational, common in speech

So this sentence sounds a bit more formal because it uses jika.

It can mean both, depending on context.

For bungkusan hilang, it could mean:

• the package is lost
• the package is missing
• the package has disappeared

Malay often uses one word where English might choose between several possibilities.

di pusat pengambilan means at the collection centre / pickup point.

Breakdown:

• di = at / in
• pusat = centre
• pengambilan = collection / pickup

Pengambilan comes from the root ambil = take.
With the peN-...-an pattern, it becomes a noun meaning something like the act/process/place of taking/collecting, depending on context.

So pusat pengambilan is literally something like collection centre.

Because this di is a preposition, meaning at / in / on, so it is written as a separate word:

• di pusat pengambilan = at the collection centre

This is different from di- as a verb prefix in passive verbs, which is attached to the verb:

• diambil = taken
• dibayar = paid

This is a very important spelling distinction in Malay.

Malay does not normally use articles like a, an, or the.

So:

• bungkusan can mean a package or the package
• pusat pengambilan can mean a collection centre or the collection centre

The exact meaning is understood from context. This is very normal in Malay.

Sometimes, yes.

Malay often drops subjects when they are clear from context. So in some situations, someone might simply say:

• Meminta bayaran balik jika bungkusan hilang di pusat pengambilan.

However, with saya included, the sentence is clearer and more complete, especially in writing or formal communication.

Yes, it is natural and understandable.

Other possible expressions include:

• minta bayaran balik = ask for a refund
• memohon bayaran balik = apply/request a refund, more formal
• menuntut bayaran balik = claim a refund

So meminta bayaran balik is a good standard choice.

Malay verbs do not change form the way English verbs do for tense. Because of that, this sentence can be understood in more than one time-related way depending on context.

It could mean something like:

• I request a refund if the package goes missing...
• I will request a refund if the package goes missing...
• I ask for a refund whenever the package is lost...

Without extra time words, Malay often leaves this open and lets context decide.

Malay allows either order, just like English.

This sentence says:

• Saya meminta bayaran balik jika bungkusan hilang di pusat pengambilan.

But you could also say:

• Jika bungkusan hilang di pusat pengambilan, saya meminta bayaran balik.

Both are grammatical. The difference is mainly emphasis:

• starting with Saya meminta... emphasizes the action
• starting with Jika... emphasizes the condition first

Yes, depending on region and context.

• bungkusan = package / parcel
• pakej often means package too, but it can also mean a deal/package in other contexts
• parcel is also used in some everyday speech

Bungkusan is a good standard Malay word here.

Because Malay often uses a more direct structure.

In English, learners may expect something like:

• if the package is lost

Malay simply says:

• jika bungkusan hilang

There is no need for a separate word for is here. In many Malay sentences, especially with adjectives or stative meanings, no equivalent of to be is required.

So:

• bungkusan hilang = the package is lost / the package goes missing