Praise be to Allah, the Lord of the worlds.
After reviewing the details of your question and the attached rules and regulations, it was made clear to us that the client opens an electronic portfolio and makes deposits therein. This enables him/her to make purchases from different stores or transfer credit in return for a fixed fee. However, it is worth pointing out that the company doesn`t pay on behalf of the client unless there is credit in his portfolio: overdraft isn`t allowed.
Islamic jurisprudence frames this as an Ijarah contract between the client and the company. Therefore, the terms and conditions of this service as well as the fees must be made clear upon the conclusion of that contract.
Having reviewed the rules and regulations of the above company, the subscription form and the general regulations approved by the Central Bank of Jordan, it was made clear to us that no violations of Sharia are committed. However, it is incumbent upon this company to make sure that this system of payment via phone applications agrees with the rulings of Sharia. And Allah knows best.