Is taking an additional amount (such as 5 dollars) in exchange for converting physical money into electronic money (100 dollars converted to 100 electronic dollars for the payment of 105 physical dollars) considered usury?

Electronic money is digital money for a specific currency, stored electronically on a technical medium. It differs from paper money in that it is a monetary value stored electronically, and from credit cards in that it does not require a bank account. This money represents monetary units with financial value, used for online purchases and at points of sale, and has gained general acceptance as a medium of exchange.

This money is considered to be equivalent to and a substitute for paper money, so zakat is obligatory on it and usury applies to it. It takes the ruling of the currency in which it is stored. When converting physical money into electronic money of the same type, equivalence between the two types of money is required. Paying a fixed amount as a fee for converting regular money into electronic money is permissible, as it is a wage for a service.