У меня есть вопрос относительно оплаты.

Russian usually expresses possession with the pattern у + genitive + есть.

So:

• у меня = at me / with me
• есть = there is / exists
• вопрос = a question

Literally, У меня есть вопрос is something like At me there is a question, but in natural English it means I have a question.

The verb иметь does exist in Russian, but it is much less commonly used for ordinary possession than у меня есть. Saying Я имею вопрос would sound unnatural in most everyday situations.

The preposition у requires the genitive case, so я changes to меня.

That is why you get:

• я = I
• меня = me / of me (genitive or accusative form, depending on context)
• у меня = at me / with me

This is a very common pattern in Russian:

• У меня есть книга. = I have a book.
• У тебя есть время? = Do you have time?
• У него есть машина. = He has a car.

Here есть means there is / there exists and is part of the standard possession pattern у кого-то есть что-то.

In this sentence, есть is natural and expected:

• У меня есть вопрос = I have a question.

Sometimes Russians omit есть, especially in informal speech, but doing so can slightly change the feel or make the sentence less neutral. For a learner, it is safest to keep есть in this kind of sentence.

So:

• У меня есть вопрос = standard and natural
• У меня вопрос = also possible, often more direct or conversational, like I have a question / My question is...

Вопрос is in the nominative singular because it is the thing that exists in the pattern у меня есть...

Think of the structure as:

• У меня есть что?
• Answer: вопрос

So the noun after есть is normally in the nominative:

• У меня есть идея. = I have an idea.
• У меня есть проблема. = I have a problem.
• У меня есть вопрос. = I have a question.

Относительно is a preposition meaning regarding / concerning / with respect to, and it is followed by the genitive case.

So:

• оплата = payment
• оплаты = of payment / regarding payment

That is why the phrase is:

• относительно оплаты = regarding payment

This is a useful pattern to remember:

• относительно цены = regarding the price
• относительно договора = regarding the contract
• относительно встречи = regarding the meeting

Yes, it is natural and correct. It sounds fairly neutral and a little formal.

Other common options include:

• по поводу оплаты = about payment
• насчёт оплаты = about payment
• об оплате = about payment

The differences are mostly in style:

• относительно оплаты = formal/neutral
• по поводу оплаты = very common, neutral
• насчёт оплаты = common, a bit more conversational
• об оплате = simple and direct

So all of these can work depending on context.

Yes, Russian word order is flexible, though the original order is very natural:

• У меня есть вопрос относительно оплаты.

This presents the sentence smoothly as I have a question regarding payment.

You may also hear:

• У меня вопрос относительно оплаты.
• Относительно оплаты у меня есть вопрос.

The last version puts extra emphasis on regarding payment. It might sound like As for payment, I have a question.

For a learner, the original sentence is a very safe and natural choice.

Yes. In Russian, вопрос can mean:

• a literal question
• an issue / matter / topic

In this sentence, depending on context, У меня есть вопрос относительно оплаты could mean:

• I have a question about payment
• There is an issue I’d like to raise regarding payment

Usually context makes it clear. In many business or service situations, it can sound slightly more formal than just asking a simple question.

A careful pronunciation would be approximately:

u mee-NYÁ yest' va-PRÓS aht-na-SI-tel'-na ap-LÁ-ty

A few useful notes:

• У меня has stress on the last syllable of меня: менЯ
• вопрос has stress on the second syllable: вопрОс
• относительно has stress on си: относИ/тельно
• оплаты has stress on the second syllable: оплАты

If you want to sound natural, the strongest stress in the sentence is often on вопрос or оплаты, depending on what you want to emphasize.

It is polite, natural, and slightly formal or professional.

It would fit well in situations like:

• speaking to customer service
• writing an email
• asking about billing
• talking to a manager or office worker

In a very casual situation, someone might say:

• У меня вопрос по оплате.
• Можно вопрос насчёт оплаты?

But У меня есть вопрос относительно оплаты is perfectly good, especially in formal or business contexts.

They are related, but not identical.

• оплата = payment as a process or act of paying
• платёж = a payment as a specific transaction or payment item

So in this sentence:

• относительно оплаты usually means regarding payment in a general sense

If you were talking about a particular payment transaction, you might also hear:

• относительно платежа = regarding the payment / regarding a specific transaction

So оплата is the more natural choice when talking generally about paying.