Is it permissible to purchase recharge cards and sell them in installments with a prior agreement with the buyer, so that he may sell them and take the money in cash, even though there is no necessity for that?

If a person buys cards for cash and then sells them to another on installment, this can be structured as Murabaha for the one who commands the purchase, provided that he buys them for himself first and they come under his guarantee, then he sells them independently on installment. The regulations of Murabaha for the one who commands the purchase should be reviewed. If the purpose of the installment buyer is to obtain money by selling for immediate cash, then this is Tawarruq, which is a matter of dispute among scholars, and the majority of them do not consider it to be prohibited.