Is the credit card (Visa) transaction considered usurious if the bank lends money and benefits from the merchant (third party) with a percentage of the purchases, and not directly from the borrower, based on the noble Hadith, "Every loan that draws a benefit is usury"?

Taking a percentage from shops that sell their goods via Visa is not a case of "a loan that draws a benefit," because the benefit to the bank comes from the shop as a fee for facilitating payment with Visa, and not from the borrowing customer. The Islamic Fiqh Academy has issued a resolution to this effect.