Yes, and this surprises people who assume any instalment arrangement is problematic. Islamic law permits a deferred payment sale in which the credit price exceeds the cash price, because a seller may price the same goods differently in different transactions and a sale on credit is a different transaction from a sale for cash. What makes it valid is that the total is fixed and disclosed when the contract is made and can never increase afterwards for any reason. Three conditions follow. You must actually own the goods you are selling - you cannot sell what you do not possess. One price must be agreed at contracting rather than leaving the customer to choose between a cash and credit price later. And no charge may be added for late payment, which is the condition businesses most often break. Where you meet these, you are selling on credit as a merchant, which is different in kind from lending money at interest.
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Because of what is being transferred. In a loan, money is advanced and more money returned, with nothing bought or sold - the increase is purely a charge for time. In a credit sale you transferred goods you owned and bore the risk of holding, for a fixed total. The fixity is what preserves the distinction: because the total can never change, it cannot function as a rate.
Yes, and this is the condition most often missed. You cannot sell what you do not possess. Buy the stock, take ownership, bear the risk of holding it, then sell it on terms. A business that takes an order, collects instalments and only then acquires the goods is functionally lending rather than selling, whatever the paperwork says.
You may quote both, but the customer must choose before the contract is concluded. Quoting 30,000 cash or 34,000 over twelve months is fine. What is not valid is a contract that leaves the price to be determined by how the customer eventually pays - that leaves the price undefined, which most scholars treat as invalidating the sale.
A credit sale rather than a referred loan
Offering instalments directly keeps the transaction a sale between you and the customer. State one fixed total, the schedule, that the total cannot change, and that title remains with you until final payment.
Put retention of title in writing. It is your main protection given you cannot charge for late payment.
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