Does taking a percentage of the salary in exchange for disbursing it via a smart card fall under the category of a loan that draws benefit?

What exchange offices do is a loan, and it must be considered whether the fees imposed are for the cost of issuing the card and do not vary with the amount, or if they are a trick to charge interest on the loan (riba). Cash withdrawal from a card is a religiously permissible loan as long as it does not involve usurious interest. Fixed fees that are not tied to the loan amount or duration are not considered riba.