请问，你是刷卡还是现金？

Qǐngwèn, nǐ shì shuākǎ háishì xiànjīn?

Pardon me, are you (paying by) card, or cash?

现金刷卡还是手机支付？

Xiànjīn shuākǎ háishì shǒujī zhīfù?

Cash, card or mobile pay?