French · Pronunciation Guide
pay-YAY — the "y" in the spelling does double duty, closing one syllable and opening the next.
pa-YER, with the lift on the second syllable. The two "ay" sounds separated by a "y" glide give the word a bouncing quality that is quite distinctive.
Listen: payer
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Je peux payer par carte ?
Can I pay by card?
Listen: Je peux payer par carte ?
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"Je peux payer par carte ?" is a question by intonation alone, rising on CARTE. "Payer par carte" is the fixed phrase for paying by card — French uses "par" here, not "avec". "Peux" is /pø/ with the rounded vowel and a silent "x", and "carte" ends in a pronounced "t" thanks to the silent "e".
The English verb "pay" makes learners stop after one syllable, giving "pay-er" with a real "r" at the end, or collapsing the whole thing to "payr". French needs both syllables and the "y" glide between them, then a bare "ay" ending with no "r". Note also that the conjugation offers a choice — "je paie" or "je paye" — and both spellings are accepted.