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Questions & Answers about Nie ma za co, pani.
What does nie ma za co literally translate to?
Why does the phrase use ma, which usually means "he, she, or it has"?
In Polish, nie ma is often used impersonally to mean "there is no" or "there isn't". Instead of a specific person having something, the phrase simply means "there is not [anything to thank me for]".
If we are talking directly to a woman, shouldn't the word pani change its ending?
Polish uses a special form called the vocative case when talking directly to someone, which usually changes the endings of words. However, the word pani is an exception. Its direct address form is exactly the same as its basic dictionary form, so it stays as pani.