الجواب حامدا ومصليا
We are not fully clear as to how your partnership runs and what exactly it entails. However, we assume the following two scenarios:
- You are partnering with a finance software, which entails taking customer payments via a payment processing system. This agreement provides you with compensation either as a fixed fee or a percentage-based commission for each customer served by the payment processor.
This agreement can be considered as juʿāla.[1] The basic form of juʿāla is that a person puts out a call for a service to be fulfilled, and anyone who does so will receive the predetermined payment. In your case, the finance software puts out a call for bringing in customers in return for a fixed or percentage-based pay. This form of agreement is permissible.
- You are partnering with a finance software for which you bring customers, and, in turn, you are paid. This can also be considered as a juʿāla, and it will be permissible.
And Allah knows best.
Mf. Farhan ul Haq
Assistant Mufti, Darul Iftaa Chicago
Checked and Approved:
Mf. Abrar Mirza
Head Mufti, Darul Iftaa Chicago
[1] Shariah Standard No. 15, Juʿalah (Revised Standard) Accounting and Auditing Organization for Islamic Financial Institutions. May 3-8, 2003. Pg. 439.