Is it permissible to work as a programmer for a startup company that offers an "early wage access" service to employees, whereby the company transfers a portion of an employee's salary in advance in exchange for a service fee, and then recoups the amount from the employee's company at the end of the month?

This transaction is considered a loan, and it is impermissible to take interest on it, for every loan that draws a benefit is usury (riba). What the company takes from the employee as a service fee must not exceed the actual costs of processing the transaction. Otherwise, any excess is usury, according to the resolution of the Islamic Fiqh Academy. Therefore, the withdrawal fees must be examined: if they are actual, they are permissible; but if they include an increase, they are prohibited.