The cash–credit price difference is not riba

Question

Question: Can one have one price at the time of a cash purchase and another price at the time of credit? Is this not included in riba?

Answer

This is not riba; it is explicitly stated in Shami. However, to increase the price because of credit so much that the burden on a poor buyer becomes too heavy is contrary to magnanimity (muruwwa), for because of his poverty he deserves kindness and consolation.

Source: Fatawa Mahmudiyya

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