What is the ruling on using Facebook and Instagram advertisements if they include a usurious clause imposing a late payment penalty for non-payment of dues, and is it permissible to leave the advertisement amount in the card to ensure timely payment?

Imposing a late fee on outstanding debts is a usurious and forbidden condition. It is not permissible to enter into transactions that contain such a condition, even with the intention of not delaying payment. However, for someone who needs to advertise on a website or similar platform and cannot find an alternative, we hope that they have a concession to use it, provided they leave the advertising amount in the card to ensure no delay in payment.