What is the ruling on selling "Sawa" cards in installments if the sold card is sold to other people inside the office, other than the original seller?

Selling prepaid credit top-up cards is a permissible rental contract (ijarah), and it is permissible to sell them for more than their face value or on credit, according to the preponderant opinion. It is also permissible to sell them in installments, provided it is not a ruse or collusion to sell the cards to someone other than the seller in the office, or to authorize the office to sell them to others, because that makes it similar to the prohibited 'inah (buy-back) transaction. Caution should be exercised to ensure that the transaction is not merely a ruse for usury. Therefore, it is better for the buyer not to sell the cards inside the office to avoid the suspicion of 'inah and collusion.