Is using Visa and Mastercard devices in sales transactions permissible in Islamic law? Is the user considered to be facilitating usury? And is recording the bank commission as bank expenses considered recording usury?

It is permissible to issue and use credit cards if they are free from Sharia prohibitions, such as usury. There is no blame on the seller for collecting the price of the sold item through these cards, whether they are permissible or forbidden, as the sin falls upon the bank and the client. It is permissible for the seller to pay a commission to the bank, provided that he does not increase the price for the buyer, and sells the commodity at the same price as if selling for cash.