Kedudukan Biaya Tambahan Pada Pembayaran QRIS Dalam Fikih Muamalah

Abstract

The development of digital payment systems through the Indonesian Standard Quick Response Code (QRIS) has brought convenience to sales transactions, but on the other hand, it has raised issues related to additional costs charged to consumers. The phenomenon of price differences between cash payments and payments using QRIS raises questions about its position in the perspective of muamalah fiqh, specifically whether it falls under the category of usury or is justified as a service fee (ujrah). This study aims to examine the position of additional fees on QRIS payments from the perspective of muamalah fiqh. This study uses a library research method with a normative approach, through a review of muamalah fiqh literature, fatwas from the Indonesian Ulema Council's National Sharia Board (DSN-MUI), and academic studies related to non-cash payment systems. The results of the study indicate that additional fees in QRIS payments cannot be automatically categorised as usury, because QRIS transactions are essentially sales contracts, not debt contracts. These additional costs can be justified as ujrah as long as they are transparent, agreed upon at the beginning of the transaction, and do not contain elements of coercion or injustice. Thus, the position of additional costs in QRIS payments in muamalah fiqh depends on the mechanism of its application so that it remains in line with the principles of justice and sharia values.