Is purchasing products with an electronic card for a specified amount, then paying for the purchases plus a defined percentage in monthly installments deducted from the salary, considered usury (riba)?

If the installment company pays the price of goods on behalf of the buyer using an electronic card, then collects the price from him in installments with an increase, this transaction is forbidden because it is an interest-based loan. However, if the company first owns the goods and then sells them to the buyer for a profit after possessing them, this is permissible. It is advisable to consult one of the scholars for a precise detailed inquiry.