I take occasional payment from my customers using bKash (a mobile financial service provider in Bangladesh). I'm using their personal account option, which is mainly for personal transaction. I load money (called cash in), do mobile topup, make online payment and send money to other bKash users. All of the services are free of cost, except send money.

When I need cash, I do cash out from their agents and the fee costs nearly 2% of the amount cashed.

So, when I accept payment from my customers in this personal account, I ask for 2% extra, since cash out incurs a 2% cost on me. But if I make online payment/mobile top-up with the amount received from my customers, that 2% becomes my gain.

From an Islamic view point, will this extra 2% be considered as interest (Riba) on my part?

Note: I had to completely rewrite the questions to clear many confusions.

  • Can you elaborate on the method "X" and if you mean that the third party providing this service gives some some discount or cashback which you count as 'gain'?
    – Ahmed
    Apr 4, 2018 at 13:56
  • @Ahmed, I've edited the question. The fee that I take from customer will be deducted from my account only if I take the money out of the payment company wallet. This is not a traditional merchant account, rather I'm using my personal account to take occasional payment. Hope its less confusing now. Apr 4, 2018 at 14:34
  • @Medi1Saif, I've taken the tour. Thanks for referring. The Fee is imposed by me. Please see the comment. Apr 4, 2018 at 14:36
  • I assume you are charging the customer because the third party is charging you a transaction fee and you are passing it on to the customer as part of your cost price. If so a related Fatwa: amjaonline.org/fatwa-87581/info But if the third party is not charging you a fee, is the end customer aware that is a convenience fee that you charge and goes into your pocket?
    – Ahmed
    Apr 4, 2018 at 15:00
  • @Ahmed, I've re-wrote the question. Please do have a look. Apr 5, 2018 at 11:57

1 Answer 1


First of all we need to understand the complete payment method.

As I know, when we accept payment by credit card and PayPal they charge 2-4% service charge (depending on the country).

So if I sell my item at $200 and the user pays by cash I will get the complete $200.

If the user pays by credit card or PayPal, I have to pay $4 (for 2%) to the company. In this case I will be in loss, so I ask the customer to pay that 2% because I cannot bear my loss.

In this case nothing is wrong and it will not be considered as INTEREST.

You must log in to answer this question.

Not the answer you're looking for? Browse other questions tagged .