What is the ruling on Madaar Telecommunication Company deducting 3% from each purchase operation and 2% from each financial transfer between wallets, within the "Sadad service" that allows buying and selling via mobile phone in light of the lack of liquidity? And can this transaction be made Islamically permissible?
This service requires depositing a balance in the wallet and operating within its limits via phone. There is no loan involved from the company to the subscriber. Therefore, there is no harm in the fees that Madar Company charges for this service, whether they are for subscription, payment for purchases, or financial transfers, and whether they are a lump sum or a percentage of the amount paid or transferred, because these fees are in exchange for the services provided by the company.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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