Spanish · Pronunciation Guide
pah-GAR, stressed at the end, with a soft g and no puff after the p.
Two syllables, pa-GAR, weight at the end from the r ending. The verb is regular in sound but not in spelling: to keep the g hard before an e, the past tense adds a u, giving "pagué" — which also needs an accent to hold the stress on the final syllable. The u is silent, there purely to protect the consonant.
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¿Puedo pagar con tarjeta?
Can I pay by card?
Listen: ¿Puedo pagar con tarjeta?
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"¿Puedo pagar con tarjeta?" is the sentence you will use most often as a traveler. "Tarjeta" contains the throaty j — tar-HEH-ta — and a tapped r in the middle. "Puedo" shows the ue stem change from "poder", packed into a single first syllable, PWEH-do.
Most of the trouble here is aspiration: English puffs its p and hardens its g, and both habits land on this word at once. Between vowels the Spanish g should be soft and almost breathy. Both a's then want to differentiate, with English giving the first a schwa — keep them identical and open. Front-stressing to "PA-gar" is the last of the three, and the r ending is what rules it out.