Trade

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?

Advertising for a gym

Q: My partner and I are planning on launching a mobile app for health conscious people. In the app, people will be able to review and rate healthy restaurants, gyms, sports gear, supplements, etc. Our revenue will mainly be through advertising for healthy restaurants, gyms and sports brands, etc. Some of the gyms here use music during workouts and some of them have male and female customers, even if both genders are not training in the same area or at the same time. We are not opening a gym, but we are providing a platform where people can review gyms in terms of quality, trainers, equipment, etc. and our revenue would partly come from gyms through them advertising on our app. Is this permissible?

Fixing quantity and price at the time of sale

Q: I went to a tailor to have a few kurtas sewn. My friend was supplying me with the fabric to sew the kurtas. However, the problem was that I didn't know how much of fabric I would require, and the tailor was also unable to tell me the exact amount that he would need for the kurtas.

I took the roll of fabric from my friend and gave it to the tailor. The tailor said that he would sew the kurtas, and after sewing them, he would tell me exactly how many metres of fabric he used. My friend told me that he would charge me R80 p/m for his fabric. According to our arrangement, I would only pay my friend for the fabric after the kurtas are sewn.

Is this arrangement permissible? If not, how should we have structured our deal, bearing in mind that I did not know, in advance, the exact amount of fabric that will be required?