Is it permissible to deduct points from users in an electronic application when they are late in paying fixed fees, knowing that these points grant privileges and are not directly linked to money, in order to ensure the receipt of payments instead of imposing usurious financial penalties?

There is no harm in deducting points when the user is late in payment, because these points are not money and do not lead to it. Rather, they signify the suspension of certain privileges and features. The inquirer may stipulate, when granting points, that they can be canceled or deducted if their owner is late in payment.