Happy Books hopes to promote Islamic ideals, Islamic etiquettes and encourages Muslims of all ages to abide by and refer to Shari'ah rules in all of their affairs. This includes matters of trade and contracts. For this reason, we do not accept credit payments as these are usurious transactions (ribaa)that contradict the basic rules known by necessity in Islam.
Why are credit cards usurious transactions (ribaa)?
Ribaa (usurious transactions) is an umbrella term in the shari'ah that describes any unlawful trade transaction as Allah (swt) says, "Allah permitted trade and forbade Ribaa" [EMQ 2:275]
Credit card contracts and purchases using credit cards involve a number of usurious elements. The contract is based on the principle that you can purchase goods or services from others without paying for them yourselves, but by a third party (the credit card company) 'loaning' you the money for the purchase and paying the seller instead of you. The credit card company will then collect payment for these loans periodically, charging interest if you pay late.
This involves a number of prohibited transactions including interest if you pay late, interest even if you pay on time as the seller is usually paid less than the amount you 'repay' to the credit card company', three party contracts and two contracts in one deal.
But what if I pay my bill on time and so don't pay any interest?
The contract still involves interest as the lender is still paid more than they originally paid out to the seller. Interest in the Shari'ah is any form of benefit that the lender receives for giving a loan. This means that because the credit card company only loans 97-99% of the sales price but then collects 100% of the sales price from the debtor, they profit from the loan even though you pay on time and do not 'officially' pay any interest.
So what if I pay interest, your not the one that will be sinful?
Actually no. Interest is only one prohibited element in a credit card transaction, an Islamic contract can only have two parties and there can be no third party. In this transaction, there will always be three parties: (1) You - the buyer (2) Us - the seller and (3) the lender - the credit card company, in this type of contract, all three parties will be sinful not just the buyer.
It is also two contracts in one deal, a sale of goods and loan to a buyer combined in one deal. This is prohibited for all parties involved.Not only will we be sinful for accepting this form of trade but the transaction will be invalid according to the Shari'ah.
How else can I pay?
We accept any debit card including Visa, Maestro, Electron, Solo and similar as well as direct debit and we may also accept a cheque or postal order by arrangement.
We welcome any queries, comments or feedback you may have about this site and would appreciate your help in improving this site. Please do not hesitate to report the problem at firstname.lastname@example.org
Happy Books is more than just a publisher of children's books. We aim to provide Muslim parents with as many resources we can to teach their children the essential knowledge and skills they need to live and grow up as practising Muslims and worship Allah with full awareness. We hope to co-operate with other authors, publishers, web developers and parents to compile a list of quality resources, books, games and activities as an alternative to the many harmful activities that children can easily be distracted by. Please browse through our website to find out more about us, about our Happy Stage Islamic Curriculum and how you can get involved.
To see more details about our books, click on the link above and follow the instructions. If you wish to order a copy or if you are a bookseller and wish to buy wholesale, you can buy online or phone us for more details.
Happy Books wants to encourage providers of quality Islamic education resources and materials and so offer a FREE service of certification of books, online resources, games and activity and FREE advertising on our site to eligible publishers and authors.
Happy Stage Islamic Curriculum
Click here to find out about the Happy Stage Islamic Curriculum for children and young adults from the age of 4 to 20 and details of games, puzzles and teaching resources useful in teaching it at home or at school.
Happy Books Islamic Bookshop
Click here to see what Islamic books are for sale at the Happy Books online Islamic Bookshop. Buy hard copies for delivery, purchase online books that you can read by logging into your my books account and transfer surplus books as an ideal gift for your friends and relatives, they do not even need an account beforehand to claim their gift.
Islamic Games, Puzzles, Activities and Teaching Resources
View all games, puzzles, activities and resources including those created by Happy Books and those suggested by visitors like you. You can filter our list by subject (e.g. Arabic, Fiqh, Geography, History or Islamic Concepts) or by type (e.g. Books, Games or teaching resources).
Suggest a resource
Suggest a resource to be added to our website to help home educators and parents. You may also wish to contribute yourself by creating learning materials that other parents could use or recommending other websites you have visited and found useful for your children..
Find out more about us
Click here to find out more about Happy Books and what we are doing to help the next generation grow up as good Muslims according to the teachings of the Qur'an and Sunnah according to the understanding of the companions of the final prophet and messenger Muhammad (saw).
MyBooks Account area
Check your order history, pay unpaid invoices, read your online books and check out member-only special offers and send your surplus books as a gift to your friends by logging into your my Books account area.
Send a gift to your friends and relatives
Our online books are inexpensive but packed full of Islamic lessons for all ages young and old. You can obtain additional online copies of our books and share them with your friends. Simply click here to log in and send your gifts with a few clicks of a button. All you need is their email address.