What is the ruling on the "Sadad" service provided by a Libyan telecommunications company, whereby a sum of money is charged to a special account, for which 10 dinars are paid, and 1% of the value of purchases is deducted from the merchant, and 2% of the value of transfers between individuals?

It is permissible to use the "Sadad" service if the customer charges a sum of money that enters the company's account, and purchases only what he has deposited, and the company takes a percentage for the service. However, if the company allows purchases exceeding the balance, this excess is a forbidden usurious loan.

And if the money is not transferred from the bank to the company before the customer uses it, then it is not permissible to use the "Sadad" service, because it falls under the category of selling a debt to other than the debtor, which is usury.