Is it permissible for a store to increase the price of an item by 3.5% when paying with a credit card, on the grounds that the bank deducts this percentage from the store?

It is permissible to use a credit card provided that no interest or penalty is stipulated for late payment, no percentage exceeding the actual fee is charged for cash withdrawals, and gold, silver, and currencies are not purchased with an uncovered card.

It is permissible for the bank to take a commission from the merchant in exchange for the card service, provided that the merchant sells with the card at the same cash price. It is not permissible for the merchant to add this commission to the price of the commodity for the buyer, because if the buyer's card is uncovered, their payment of the commission is considered a usurious loan, and if it is covered, it is not permissible to take a fee for the guarantee.