Чорна платіжна картка лежить на столі.

Because картка is a feminine singular noun, and adjectives in Ukrainian must agree with the noun in gender, number, and case.

So:

• чорний = masculine singular
• чорна = feminine singular
• чорне = neuter singular
• чорні = plural

Since картка is feminine, you say чорна картка.

It is in the nominative singular.

In this sentence, чорна платіжна картка is the subject — the thing that is lying on the table. Subjects are normally in the nominative case.

So the basic structure is:

• чорна платіжна картка = subject
• лежить = verb
• на столі = location

Платіжна картка literally means payment card.

In real usage, it usually refers to a card used to pay for things, such as a:

• debit card
• credit card
• bank card

It is a normal and fairly standard phrase in Ukrainian. Depending on context, English might translate it as payment card, bank card, or simply card.

In standard Ukrainian, картка is the usual word for a small card such as:

• a bank card
• an ID card
• a business card

Карта more often means:

• a map
• a chart
• sometimes a card in other special meanings

So for a payment/bank card, картка is the safer and more standard choice.

Лежить means lies / is lying.

Ukrainian often uses specific verbs for the physical position of objects:

• лежати = to lie
• стояти = to stand
• висіти = to hang

A card on a table is naturally thought of as lying flat, so лежить sounds very natural.

English often just says is on the table, but Ukrainian often prefers a more physical verb like лежить.

Yes. You could say:

Чорна платіжна картка на столі.

That can mean something like The black payment card is on the table, especially in context.

But лежить is more complete and more natural if you want a full descriptive sentence. It clearly states the card’s position.

Because this sentence describes location, not movement.

• на столі = on the table → where something is
• на стіл = onto the table → movement toward the table

Compare:

• Картка лежить на столі. = The card is lying on the table.
• Я кладу картку на стіл. = I put the card onto the table.

So after на, Ukrainian uses different cases depending on meaning.

Because after на meaning location, the noun goes into the locative case.

So:

• стіл = table, nominative
• на столі = on the table, locative

This is a normal case change in Ukrainian. Many masculine nouns use -і in the locative singular.

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

The original sentence is neutral and clear:

Чорна платіжна картка лежить на столі.

But you could also say:

• На столі лежить чорна платіжна картка.
• Лежить на столі чорна платіжна картка.

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

• starting with На столі highlights the location
• starting with Чорна платіжна картка highlights the card itself

No. Ukrainian has no articles.

So чорна платіжна картка can mean:

• a black payment card
• the black payment card

The exact meaning depends on context.

That is very common for English speakers to notice: Ukrainian leaves definiteness unstated unless the situation makes it clear.

Because both adjectives are in the same form: feminine singular nominative, matching картка.

So the noun phrase is:

• чорна = black
• платіжна = payment
• картка = card

Together: black payment card

This kind of stacking of adjectives before the noun is normal in Ukrainian, just as in English.

It is the 3rd person singular present form of лежати.

So:

• лежати = to lie
• лежить = he/she/it lies, is lying

Since картка is singular, the singular form лежить is used.

If the subject were plural, you would use лежать:

• Картки лежать на столі. = The cards are lying on the table.

A rough guide with stress is:

• чо́рна
• платі́жна
• ка́ртка
• лежи́ть
• на столі́

A very approximate English-style guide:

CHOR-na pla-TEEZH-na KART-ka le-ZHYT na sto-LEE

A few sound notes:

• ч sounds like ch in chair
• ж sounds like s in measure
• и in лежить is not exactly English ee or ih; it is a separate Ukrainian vowel

Yes. Банківська картка means bank card.

The difference is roughly:

• платіжна картка = payment card
• банківська картка = bank card

In many everyday situations, both could work, but платіжна картка is a bit broader and more formal-sounding.

Yes, it is natural and correct.

It sounds like a normal descriptive sentence. If anything, in everyday speech many speakers might also say:

На столі лежить чорна платіжна картка.

That version puts the location first, which is also very common. But the original sentence is fully natural.