Assalamualaikum warahmatullahi wabarakatahu I work for a company in Sales department. We provide our customers an option for an Interest Free Credit line upto 6 or 12 months based on the value of the purchase. However, failing to pay a month's minimum amount will lead to a late payment penalty. But if the customer is consistently unable to pay the amount will be charged 2% of interest on it's overall total. May I know if am being involved in Riba here or being a witness/helping customers to involve here or I'm need of a solid proof answer as to what I need to do further in the light of Islam? JazakAllahu khair.