What is the ruling on programming a website for selling permissible products that includes linking it to an electronic payment gateway displaying the logos of supported cards and fields for entering payment data, and what is the ruling on placing the logos of these cards (such as MasterCard, Visa Card, PayPal, Discover, American Express, Google Pay, Apple Pay) on the website pages?
There is no objection to programming websites for selling permissible products and linking them to electronic payment gateways, even if they include names of permissible or prohibited cards. This falls under the permissibility of a merchant dealing with usurious banks that issue these cards, which is permissible because it is a form of (leasing/hiring) and is not considered direct assistance in usury. This is permitted due to widespread affliction (umum al-balwa) and the necessity of e-commerce. The Islamic Fiqh Academy has issued a resolution stating the permissibility of the issuing bank taking a commission from the merchant on customer purchases made with the card, provided that the selling price with the card is the same as the cash price. The sin regarding prohibited cards falls upon the bank and the customer, not on the seller. Based on this, there is no objection for the programmer to assist in this.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
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