Is it permissible to benefit from the service of a company that purchases goods online with its credit card, then sells them to me at a 10% increase over their original price, as a service fee?
If the beneficiary pays the amount due to the company before the company pays it on his behalf, then this is a permissible agency for a fee, and the mentioned percentage is known.
However, if the company pays the price of the purchases first and then the beneficiary pays the company, this combines a loan and an agency for a fee, which is impermissible. This is due to the Prophet's (peace and blessings be upon him) prohibition of combining a loan and a sale, because that is a means to usury and eventually leads to it, as the loan here draws a benefit for the lender.
The legitimate method is for the amount to be paid to the company in advance, so that it becomes an agency for a fee, or for the company to purchase the goods for itself and then sell them to the beneficiary after acquiring ownership.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/173313
Where this answer came from
- Source platform
- Ftawy
- Original fatwa ID
- 173313
- Added here
- . This is when the answer was added to El Fatwa, not the fatwa's date.
- Text
- Summary from Ftawy's records, reviewed by El Fatwa's sharia committee.
- Read the full ruling
- Read the full answer on Ftawy