Trade

Working out the price of the car after ascertaining how the client wishes to pay

Q: I am a car dealer. I am not involved in finance. However, I accept different forms of payment, such as cash, EFT and via a card machine. Is it permissible for me to decide the price of a vehicle depending on the customer’s form of payment? The bank charges me 3,25% (for a credit card) and 1,75% (for a debit card) of the total amount if the card machine is used. Can I add this percentage onto the original price of the vehicle? If so, does it have to be the exact amount the bank charges me or can I round off or add to the amount as I desire?

Accepting card payments

Q: I wish to inquire further regarding Mufti saabs ruling of installing atm machines on one's premises. Will the same ruling follow a card machine facility, with which many benefits exists but a customer may also pay with a credit card from haraam funds(interest bearing loan / overdraft, etc.)?

Company offering a discount to sell items to clients

Q: I’m an architect. I design residential buildings for my clients and take design consultancy in return. Yesterday, a marketing team visited me. They were selling LED lights. A single light costs $10. They offered me a discount of 20% if I recommend the lights to my clients. They also said that if I sell the light at full price to my clients, they will transfer the remaining 20% discount into my account. If I give a 10% discount to my clients, they will transfer the remaining 10% into my account. Also, it is in my authority to give a full 20% discount to my client. Is this arrangement permissible?.

Selling soccer t-shirts

Q:

1. I want to sell t-shirts with different country flags on them for the upcoming Soccer World Cup. Will it be permissible to sell these t-shirts?

2. What is the ruling on advertising products with videos of people using them? Sometimes, products need a video demonstration or a photo to show how to properly use them. What is a permissible way to do this?

Asking the supplier for a discount due to late delivery

Q: I work as an engineer and my job requires me to get quotes for items we need to purchase. I agree to a quote based on the price and the delivery date. For example, if I need to buy piping, I will get three quotes.

1. Quote A says our price is $10 per foot and we will deliver by May 5

2. Quote B says our price is $5 per foot but we will deliver by May 16

3. Quote C says our price is $2 per foot but we will deliver by May 28

I select, for instance, Quote A, and the terms are agreed upon. Now, sometimes a company misses the agreed upon delivery date.  If they miss the date by 1 or 2 days, we don’t have any problems, but sometimes, they miss the delivery date by 2 weeks or more. In this case, we tell the company that we will not pay the full price and that they must discount the price that was initially agreed upon because they did not meet the agreed upon delivery date. Is this permissible?