Платіжна картка лежить біля банкомата.

• платіжна = payment, used for paying
• картка = card
• лежить = lies, is lying
• біля = near, by
• банкомата = of the ATM after the preposition біля

So the whole sentence means something like The payment card is lying near the ATM.

Because платіжна is an adjective describing картка, and it has to agree with the noun.

Here:

• картка is feminine
• singular
• nominative case, because it is the subject of the sentence

So the adjective also becomes:

• feminine
• singular
• nominative

That gives платіжна картка.

Because the preposition біля requires the genitive case.

The basic dictionary form is:

• банкомат = ATM

After біля, it changes to genitive singular:

• біля банкомата = near the ATM

This is a very common thing in Ukrainian: the preposition determines the case of the noun that follows it.

It is in the nominative case.

That is because платіжна картка is the subject — the thing doing the action or being described. In this sentence, the card is the thing that лежить.

So:

• платіжна картка = nominative
• банкомата = genitive

Лежить is the 3rd person singular present tense of лежати.

It means:

• lies
• is lying
• sometimes naturally translated as is in English, depending on context

Ukrainian often uses verbs like лежати for the physical position of something. So this sentence gives a clear image: the card is not just nearby — it is lying there.

Because Ukrainian often prefers a verb that shows the position of an object.

For example:

• лежить = lying
• стоїть = standing
• висить = hanging

In English, we often just say The card is near the ATM, but in Ukrainian it is very natural to say The card lies/is lying near the ATM if you want to describe where it is physically.

Also, present-tense є is often omitted in Ukrainian, so a plain is is not usually needed.

Grammatically, yes, but it is less natural in this context.

For location, Ukrainian usually either:

• omits є, or
• uses a more specific verb like лежить

So:

• Платіжна картка біля банкомата = possible, more like The card is near the ATM
• Платіжна картка лежить біля банкомата = very natural, and more descriptive

No, Ukrainian word order is fairly flexible.

The sentence:

• Платіжна картка лежить біля банкомата

is a neutral, natural order.

But you could also say:

• Біля банкомата лежить платіжна картка

This puts more attention on біля банкомата — the location.

So the meaning stays basically the same, but the emphasis changes.

Because Ukrainian does not have articles like a or the.

So картка can mean:

• a card
• the card

And банкомата can mean:

• an ATM
• the ATM

The exact meaning depends on context.

A useful stress pattern is:

• платі́жна
• ка́ртка
• лежи́ть
• бі́ля
• банкома́та

A rough pronunciation guide:

• pla-TEEZH-na KART-ka le-ZHYT BEE-lia ban-ko-MA-ta

The Ukrainian и in лежить does not sound exactly like English ee or i. It is a short central vowel, so learners usually need some practice with it.

Yes, there are other ways to say near:

• біля банкомата = near the ATM
• коло банкомата = near the ATM
• поруч з банкоматом = next to / beside the ATM

Notice the grammar changes:

• біля
  • genitive → банкомата
• коло
  • genitive → банкомата
• поруч з
  • instrumental → банкоматом

So the choice of preposition affects the case.

They are similar, but not always exactly the same.

• платіжна картка = payment card — a more formal, broader term
• банківська картка = bank card

In many everyday situations, people may use them similarly, but платіжна картка is the more direct match for payment card.