Usipopata risiti, huwezi kurudisha bidhaa kwa keshia.

It can be broken into:

• u- = you (singular)
• -si- = negative marker
• -po- = if/when
• -pata = get / receive

So usipopata means if you do not get or if you don't receive.

This is a very common Swahili pattern: the condition is built directly into the verb instead of using a separate word like if.

In this sentence, yes: -po- gives an if/when meaning.

So:

• ukipata = if/when you get
• usipopata = if/when you do not get

It can feel a little broader than English if, because in Swahili -po- often covers both if and when, and context tells you which sounds more natural in English.

Huwezi is the standard negative present form of kuweza (to be able to / can).

Compare:

• unaweza = you can
• huwezi = you cannot

So huwezi kurudisha bidhaa means you cannot return the item(s).

It sounds like a general rule or policy here, not just a one-time situation.

After kuweza (can / be able to), Swahili normally uses the infinitive of the next verb.

So:

• unaweza kwenda = you can go
• huwezi kurudisha = you cannot return

Here:

• ku-rudisha = to return (something)

This pattern is very common and useful.

This is an important distinction:

• kurudi = to return / go back oneself
• kurudisha = to return something / take something back

So in this sentence, kurudisha is used because bidhaa (goods / item) is the thing being returned.

Examples:

• Nitarudi kesho. = I will come back tomorrow.
• Nitarudisha kitabu kesho. = I will return the book tomorrow.

It can be either singular or plural, depending on context.

That is normal for some Swahili nouns. Bidhaa often means:

• product
• item
• goods
• merchandise

So kurudisha bidhaa could be understood as return the item or return the goods, depending on the situation.

Kwa often means to, at, by, with, especially when referring to a person or a place associated with a person.

So kwa keshia means something like:

• to the cashier
• at the cashier
• to the checkout/cashier's desk

In natural English, to the cashier is probably the best match here.

They are common loanwords used in everyday Swahili.

• risiti = receipt
• keshia = cashier

Learners should not be surprised by this. Swahili uses many loanwords, especially for modern shops, business, technology, and administration.

Because the verb already includes the subject.

In this sentence:

• u- in usipopata already means you
• huwezi also already means you cannot

So wewe is not necessary.

Swahili usually adds a separate pronoun like wewe only for emphasis or contrast, for example:

• Wewe huwezi kurudisha bidhaa... = You can't return the item...
  (with extra emphasis on you)

It sounds more like a general rule or store policy.

The structure suggests something like:

• If you don't get a receipt, you can't return the goods.

That sounds like a policy applying in general, not just one single moment.

If Swahili wanted to focus on one very specific situation, the wording might be different.