ELECTRONIC PAYMENT FOR BILLS: CONTROLS AND PROVISIONS AN EMPIRICAL STUDY

Abstract

Trade exchange between banks, financial cards, credit cards, credit cards, credit cards, cards, cards,
cards, financial cards, financial cards, and mobile companies, in addition to the online portal and its
application, or through outlets, branches and service points Using electronic money. And in return for
the company's commission, the client is obligated to pay it, whether it is an individual or an
institution. This research aims to understand the concept of electronic payment, its types, fields, and
jurisprudential rulings, in addition to setting controls for electronic payment from the forbidden
Sharia, to be electronic starting points for electronic and Sharia instructions. This research was
organized in an introduction and consistency of discussions and a conclusion that included the most
important findings and recommendations, including: The electronic payment systems for bills can be
adapted and downloaded to types of contracts in Islamic jurisprudence, such as Churning out, transfer
and leasing. They represent a good alternative to old payment methods, and are characterized by ease
and convenience, saving effort and money, and speed of completion. The basic principle is that
dealing with electronic payment systems is legally permissible, and each card or system has its own
legal controls. Failure to comply with the provisions of Islamic law is one of the most important
causes of economic crises and fluctuations. Islamic financial institutions must search for alternatives
to uncovered electronic payment cards, and adhere to their issuance and terms of Sharia controls.
Urging the competent authorities to issue regulations and regulations that enable the use of modern
technology, keep abreast of progress, provide security and confidence in dealing, and solve problems
in the field of e-commerce. Benefiting from competencies and successful experiences by exchanging
experiences between electronic financial institutions. Spreading awareness about the jurisprudence of
electronic financial transactions to know the rights and duties and avoid falling into problems and
discounts.