<![CDATA[The development of the digital economy in Indonesia has encouraged the emergence of Buy Now Pay Later (BNPL) services such as Shopee PayLater, which contribute to changes in urban consumption patterns toward more instant and consumptive behavior. This phenomenon raises questions regarding the position of such practices within the perspective of ‘urf and their conformity with the principles of fiqh muamalah. This study aims to analyze Shopee PayLater as a manifestation of consumptive ‘urf in Indonesian urban society and to assess its conformity with the principles of ‘urf in Islamic law, particularly concerning the presence of hidden riba elements in interest charges and late payment penalties. The method employed in this study is library research using a normative-juridical approach through the analysis of Islamic legal sources, including the Qur’an (QS. Al-Baqarah: 275–279), Fatwa of the National Sharia Council Indonesian Ulema Council (DSN-MUI) No. 116/DSN MUI/IX/2017, regulations issued by the Financial Services Authority (OJK), and relevant scholarly literature. The data were analyzed descriptively and qualitatively using the maqashid sharia approach and fiqhiyyah legal maxims. The results indicate that Shopee PayLater represents a new form of consumptive ‘urf that encourages impulsive and hedonistic purchasing behavior among urban communities. However, from the perspective of fiqh muamalah, this practice does not align with the principles of ‘urf shahih because it contains hidden riba elements in the form of interest of 2.95% and late payment penalties of 5%, thus it is more appropriately categorized as ‘urf fasid. This study recommends the reconstruction of BNPL contracts based on sharia principles as an alternative digital financing model that is more equitable and aligned with Islamic legal values. ]]>
