Debitarea directă plătește factura.

Romanian usually puts the definite article at the end of the noun instead of using a separate word before it.

So in this sentence:

• debitarea = the direct debiting / the direct debit
• factura = the bill / the invoice

Compare:

• factură = a bill / invoice
• factura = the bill / invoice

This is one of the first big differences English speakers notice in Romanian.

That final -a is the attached definite article, meaning the.

The base noun is debitare, and:

• debitare = direct debiting / a debiting
• debitarea = the direct debiting

So debitarea directă is a definite noun phrase.

Because directă has to agree with debitarea in gender and number.

Debitarea is a feminine singular noun, so the adjective must also be feminine singular:

• masculine singular: direct
• feminine singular: directă
• masculine plural: direcți
• feminine plural: directe

So:

• debitare directă = direct debiting
• debitarea directă = the direct debiting

In Romanian, adjectives often come after the noun.

So where English says:

• direct debit
• direct payment

Romanian often uses:

• debitare directă
• noun + adjective

This is the normal order in many cases, although Romanian can sometimes place adjectives before the noun for emphasis or style.

Plătește is the 3rd person singular present tense form of a plăti (to pay).

So:

• eu plătesc = I pay
• tu plătești = you pay
• el/ea plătește = he/she/it pays

In this sentence, the subject is debitarea directă, which is singular, so the verb is also singular:

• Debitarea directă plătește...

There are a few clues:

1. Word order: Romanian often uses subject + verb + object as the neutral order.
2. Verb agreement: plătește is singular and matches the singular subject debitarea directă.
3. Meaning: the thing doing the action is debitarea directă, and the thing receiving the action is factura.

So:

• debitarea directă = subject
• factura = direct object

Because Romanian usually does not mark ordinary direct objects with a special ending or particle.

In this sentence, factura is just the direct object of plătește.

Romanian sometimes uses extra marking with direct objects, especially with people or with object doubling, but that does not apply here. Since factura is an inanimate noun, a plain form is normal.

It can mean either bill or invoice, depending on context.

In everyday Romanian:

• factură often means invoice
• but in many learning examples it is translated as bill

So the exact English word depends on the situation, even though the Romanian form is the same.

Grammatically, yes. It is understandable and correct.

In real banking Romanian, though, you may also see more common expressions such as:

• debit direct
• plata prin debit direct

So debitarea directă is understandable, but depending on the context, a Romanian speaker might choose a slightly different banking term.

Yes, Romanian word order is more flexible than English, but the basic neutral order here is:

• Debitarea directă plătește factura.

Other orders are possible for emphasis, but they can sound more marked or literary. For a learner, the sentence as given is the safest and most neutral structure.

A rough guide:

• ă is a short central vowel, like the weak vowel in the a of sofa
• ș is pronounced sh

So plătește sounds roughly like pluh-TESH-teh

And:

• directă sounds roughly like dee-REK-tuh
• factura sounds roughly like fak-TOO-ra

These are only approximations, but they are a useful starting point for an English speaker.