What is the ruling on subscribing to a company that provides employees with a card for 300 pounds annually, allowing installment payments for goods over 10 months without interest, with installments deducted from the salary and a fixed service fee of 10 pounds paid for each purchase?

The company acts as an intermediary between customers and merchants in installment sales. It charges an annual fee for its mediation services, not for guaranteeing the installment debt. Therefore, if the transaction is free from invalid conditions, such as late payment penalties, there is no religious impediment to it, because it is a permissible form of ijara (leasing/hiring). There is also no issue with the fixed amount paid at the time of purchase for service charges.