Продавець обговорює повернення коштів і обмін товару.

Обговорює is a verb, specifically the 3rd person singular present tense form of обговорювати.

So it means:

• обговорювати = to discuss
• він/вона обговорює = he/she is discussing or he/she discusses

In this sentence, it agrees with продавець because продавець is singular.

A useful pattern:

• я обговорюю = I discuss
• ти обговорюєш = you discuss
• він/вона обговорює = he/she discusses
• ми обговорюємо = we discuss
• ви обговорюєте = you discuss
• вони обговорюють = they discuss

Продавець is in the nominative singular because it is the subject of the sentence — the person doing the action.

• продавець = seller / salesperson

In dictionary form, this noun is already продавець, so nothing changes here.

This noun is grammatically masculine. In real life, it may refer to a male seller, or sometimes a seller in a more general sense depending on context. If you specifically want a feminine form, Ukrainian also has продавчиня.

Because they depend on verbal nouns:

• повернення = return / returning
• обмін = exchange

In Ukrainian, these nouns often take the thing involved in the genitive case.

So:

• повернення коштів = return of funds / refund
• обмін товару = exchange of the item/product

That is why you get:

• кошти → коштів (genitive plural)
• товар → товару (genitive singular)

This is very natural Ukrainian grammar.

Both are possible, but they are slightly different in tone.

• кошти = funds, money; often a bit more formal or businesslike
• гроші = money; more everyday and common

So:

• повернення коштів sounds very natural in customer service, policy, legal, or official contexts
• повернення грошей is also common and perfectly understandable, but a little less formal

In a sentence about refunds and exchanges, коштів fits the register well.

Кошти is one of those Ukrainian nouns that is normally used in the plural when it means funds/money.

So the basic form is:

• кошти = funds

And in this sentence it becomes genitive plural:

• коштів

This is similar to how some English nouns behave unusually, though not in exactly the same way.

Товару is genitive singular of товар.

Ukrainian often uses the singular here when speaking about a product/item in a general transactional sense:

• обмін товару = exchange of the product / exchange of an item

If the context is specifically about multiple items or goods in plural, then товарів could be possible in another sentence. But here товару sounds like a standard service or retail phrase.

So this structure is normal and idiomatic.

Literally, it means return of funds.

In natural English, that is usually:

• refund
• money back

So although the Ukrainian phrase is not a single word, it functions like the idea of a refund.

This is a very common phrase in shops, service desks, and online store policies.

It is a noun.

• обмін = exchange
• обмін товару = exchange of the item/product

So the sentence contains one main verb, обговорює, and two things being discussed:

1. повернення коштів
2. обмін товару

You can think of the structure as:

The seller discusses [refund] and [exchange of the product].

Because Ukrainian does not have articles like English a/an/the.

So продавець can mean:

• a seller
• the seller

Which one is intended depends on context.

The same applies to other nouns in the sentence.

Yes. Ukrainian word order is more flexible than English because case endings show grammatical relationships.

The neutral order here is:

• Продавець обговорює повернення коштів і обмін товару.

But other orders are possible for emphasis, for example:

• Повернення коштів і обмін товару обговорює продавець.
• Обмін товару і повернення коштів продавець обговорює.

These alternatives are grammatical, but they sound more marked or emphatic. For a learner, the original order is the safest and most natural.

Yes, but the nuance changes slightly.

• обговорює = discusses, talks through in some detail
• говорить про = talks about

So:

• Продавець обговорює повернення коштів і обмін товару.
  = The seller is discussing the refund and exchange.

• Продавець говорить про повернення коштів і обмін товару.
  = The seller is talking about the refund and exchange.

Both are possible, but обговорює sounds a bit more specific and deliberate.

A rough pronunciation guide for an English speaker:

• Продавець ≈ pro-da-VETSʹ
• обговорює ≈ ob-ho-vo-RYU-ye
• повернення ≈ po-ver-NEN-nya
• коштів ≈ KOSH-tiv
• і ≈ ee
• обмін ≈ ob-MEEN
• товару ≈ to-VA-ru

A rough full reading:

pro-da-VETSʹ ob-ho-vo-RYU-ye po-ver-NEN-nya KOSH-tiv ee ob-MEEN to-VA-ru

The exact stress may vary by teaching system, but that guide will get you close.

It can be either, depending on context.

Because обговорює is present tense, it may mean:

• is discussing right now
• discusses as a regular or typical action

So in context, it could describe:

• a current conversation at a store counter, or
• part of a seller’s job or procedure

Ukrainian present tense often covers both ideas, just like English present simple and present progressive can overlap in translation depending on context.