What is the ruling on purchasing gold and silver with ATM cards, and is the delayed arrival of the withdrawal message from the balance, sometimes by half an hour or an hour, considered usury? Is it a condition not to leave the shop until the message is sent, or is it sufficient to be certain that the amount has reached the bank?

It is a condition for the sale of gold and silver, if they are sold for gold, silver, or cash, that possession takes place at the same session. This is based on the Prophet's (peace be upon him) saying: "Gold for gold... hand to hand."

Purchasing with an instant debit card (ATM card) entails constructive possession, as the amount immediately enters the seller's account. This is considered constructive possession that is valid in Islamic law.