What is the ruling on using the IPAY card, which is designed for online purchases, where only a card number is issued, and which involves annual fees and fees for exceeding the loading limit or sending a bounced check?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
If the bank takes 100 dirhams in exchange for cashing an invalid check on behalf of the customer, then this is a prohibited usurious loan. However, if the 100 dirhams is a fine for writing an invalid check without cashing it, then a financial penalty is permissible if issued by the Imam or his deputy. Since banking laws are approved by the ruler, it is permissible to use the card if it is free from usurious conditions; otherwise, it is not.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/52150
Where this answer came from
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- Ftawy
- Original fatwa ID
- 52150
- Added here
- . This is when the answer was added to El Fatwa, not the fatwa's date.
- Text
- Summary from Ftawy's records, reviewed by El Fatwa's sharia committee.
- Read the full ruling
- Read the full answer on Ftawy