What is the ruling on online purchases with payment upon receipt or via bank transfer, for described or undescribed goods, whether they are ordinary goods, or gold and silver and plated with them, or jewelry made of gold and silver or plated with them, or golden-colored jewelry and utensils that are not plated, or perfumes? And what is incumbent upon someone who purchased something impermissible out of ignorance or forgetfulness?

What is purchased with money is of two types: 1. That for which the presence of both عوضين (countervalues) and immediate possession (قبض) at the time of the contract are stipulated, such as gold, silver, and currencies. This is based on the Prophet's (peace be upon him) saying: "Gold for gold, and silver for silver... hand to hand." Anything plated with gold, from which gold can be extracted by scratching or heating, falls under the ruling of gold. 2. That for which the presence of both عوضين is not stipulated; rather, the presence of one of them suffices. This includes other goods like perfumes and clothes. In this case, it is permissible for the price to be deferred and the commodity present (deferred sale), or for the price to be immediate and the commodity deferred (forward sale - bay' al-salam), provided that the full price is paid at the time of the contract.

It is not permissible to defer both عوضين together (selling al-kali' bi al-kali'), meaning selling a commodity that is not delivered at the time of the contract and for which the seller does not receive the price.

To correct this transaction: an agreement is made to sell a commodity with specific characteristics as a non-binding promise. When the commodity becomes available, the contract is concluded if the buyer wishes and accepts the commodity.