What is the ruling on a financial transaction in which a buyer purchases a service at a cash price using a credit card from the bank, and pays the bank in installments, while the bank deducts a commission from the company providing the service for paying it the full amount, and the bank pays a percentage to a brokerage company?

The aforementioned transaction is forbidden (haram) because it is based on the bank purchasing the debt from the hospital for less than its value, which constitutes selling a debt to a party other than the debtor for cash. This is usury (riba) due to the absence of the "spot exchange" (taqabud) and "equality" (tamathul) conditions, which are stipulated for the exchange of money for money, as stated in the resolution of the Islamic Fiqh Academy.

This resembles a situation where the bank would pay the cost of the service before the debt is finalized. This transaction is merely usurious financing, where the bank pays on behalf of the client and then recoups the amount from them in installments with an increase. Therefore, it is forbidden for companies and intermediaries to involve the bank in such a transaction, and it is forbidden for the buyer to obtain the card if it is based on what has been mentioned.