Povraćaj novca je nemoguć bez reklamacije.

A natural breakdown is:

• povraćaj = return, refund
• novca = of money
• je = is
• nemoguć = impossible
• bez reklamacije = without a complaint / claim

So literally it is:

Refund of money is impossible without a complaint.

In smoother English, that would usually be:

A refund is impossible without a complaint/claim
or
No refund is possible without filing a complaint.

Because novca is the genitive singular form of novac.

The base noun is:

• novac = money

But after another noun like povraćaj meaning return/refund, Serbian often uses the genitive to express of something:

• povraćaj novca = refund of money

This is very common in Serbian. Compare:

• čaša vode = a glass of water
• karta grada = a map of the city
• povraćaj novca = refund of money

So novca is there because the phrase means the return/refund of money.

Because bez always takes the genitive case.

The noun is:

• reklamacija = complaint, claim

After bez (without), it changes to genitive singular:

• bez reklamacije = without a complaint / without a claim

This is a very important pattern:

• bez šećera = without sugar
• bez problema = without a problem / without problems
• bez računa = without a receipt
• bez reklamacije = without a complaint/claim

So the ending -e in reklamacije is there because of the preposition bez.

No. This is a very common point of confusion.

In Serbian:

• reklama = advertisement, commercial, ad
• reklamacija = complaint, product claim, return claim, customer complaint

So in this sentence, reklamacije does not mean advertising. It means something like a formal complaint or claim made to the seller.

In a shop context, reklamacija often means:

• a complaint about a defective product
• a warranty claim
• a return/refund claim process

Because it agrees with povraćaj, which is a masculine singular noun.

In Serbian, adjectives match the noun in gender, number, and case.

• povraćaj = masculine singular
• therefore: nemoguć = masculine singular

Compare:

• reklamacija je nemoguća = the complaint is impossible
  (reklamacija is feminine)
• rešenje je nemoguće = the solution is impossible
  (rešenje is neuter)
• povraćaj je nemoguć = the refund is impossible
  (povraćaj is masculine)

Je is the 3rd person singular of biti (to be), so it means is.

The sentence structure is:

• Povraćaj novca = the refund / refund of money
• je = is
• nemoguć = impossible
• bez reklamacije = without a complaint

So:

Povraćaj novca je nemoguć bez reklamacije
= A refund is impossible without a complaint.

Serbian often leaves out pronouns like it or he/she when they are not needed, but the verb je still appears.

The given word order is natural and clear, but Serbian word order is more flexible than English.

Standard version:

• Povraćaj novca je nemoguć bez reklamacije.

You could also see:

• Bez reklamacije povraćaj novca je nemoguć.
• Povraćaj novca bez reklamacije je nemoguć.
• Nemoguć je povraćaj novca bez reklamacije.

These all mean roughly the same thing, but the emphasis changes a little:

• starting with bez reklamacije emphasizes the condition
• starting with nemoguć emphasizes the impossibility

The original version is probably the most neutral and straightforward.

It is understandable and correct in many contexts, but learners should know an important nuance:

• povraćaj novca can mean refund
• povrat novca is often the more common and more natural expression for refund

Why this matters:

• povraćaj can also mean vomiting in medical/everyday language
• because of that, some speakers may feel povrat novca sounds more neutral for refund

So in real life, you will often see:

• Povrat novca nije moguć bez reklamacije.
• Povrat novca nije moguć bez računa.

Still, in the sentence you were given, povraćaj novca is clearly understandable from context.

Because Serbian has no articles.

English needs words like:

• a
• an
• the

Serbian does not have direct equivalents. So:

• Povraćaj novca je nemoguć can mean
  • A refund is impossible
  • The refund is impossible
  • Refund is impossible

The exact meaning depends on context.

That is normal in Serbian, and learners gradually get used to understanding definiteness from the situation instead of from articles.

It usually means without submitting or having a formal complaint/claim.

In customer-service language, reklamacija often refers to an official complaint process about:

• a defective item
• a damaged product
• a warranty issue
• a return/refund request

So bez reklamacije can imply:

• without filing a complaint
• without a formal claim
• without opening a return/complaint case

The exact English translation depends on the shop or legal context, but complaint/claim is the key idea.

Yes. Both are possible:

• Povraćaj novca je nemoguć.
• Povraćaj novca nije moguć.

Both mean A refund is impossible.

The difference is stylistic:

• je nemoguć = more compact, slightly more formal or written
• nije moguć = also very common, sometimes a bit more conversational or direct

So both are correct, and you will definitely encounter both patterns in Serbian.

Yes, it sounds fairly formal and administrative, which fits customer-service, legal, or store-policy language.

It sounds like something you might read:

• on a receipt
• on a return-policy notice
• on a website
• in official store terms

A more everyday spoken version might be something like:

• Ne može povraćaj novca bez reklamacije.
• Bez reklamacije nema povrata novca.

But the original sentence is perfectly suitable for formal written communication.