Interest% / Penalty Fees

Hello,

When reading through some terms and conditions I read that interest% charges are mentioned on the UPS SCS (UK) Limited FBA - Seller Terms and Conditions of Carriage as shown on this link

https://sellercentral.amazon.co.uk/gp/help/GF92JYAUGXSYNCKK

i.e. “Any sums not paid by the Customer by the due date shall bear interest at the rate of 4% above Lloyds Bank plc’s annual base lending rate from the Due Date to the date when payment is received by the Company.”

Whilst I have zero intention of defaulting on any payment due from me, I dont believe in entering into contracts whereby I would be agreeing to pay interest% because paying interest, or charging it is very much against my religious beliefs.

I was thinking I could (hopefully) get out of entering the above-mentioned interest-bearing agreement by selecting the option to use a “Non Amazon partnered carrier” (if I can find one that does not want me to enter inter an interest-bearing agreement…)

But then when looking further into Amazon sellers terms and conditions I read in the “Non Amazon partnered carrier” terms mentioned in this link https://sellercentral.amazon.co.uk/gp/help/help.html?itemID=201190440&language=en_GB&ref=efph_201190440_cont_201190440

"S-3.2 A-to-z Guarantee.

“If we inform you that we have received a claim under the “A-to-z Guarantee” offered on a particular Amazon Site or any other dispute relating to the offer, sale or fulfillment of Your Product(s) (other than a chargeback), concerning one of Your Transactions, … you (i) will not take recourse against the customer, and (ii) are responsible for reimbursing APE or APUK (as applicable) for the amount paid by the customer (including taxes and shipping and handling charges, but excluding any Referral Fees that we retained as defined in Section S-4), and all other fees and expenses associated with the original transaction (such as credit card, bank, payment processing, re-presentment, or penalty fees) and any related chargebacks or refunds to the extent payable by us.”

(Link to original text https://sellercentral.amazon.co.uk/gp/help/help.html?itemID=201190440&language=en_GB&ref=efph_201190440_cont_201190440)

My Questions:

1. If a customer purchased an item from me using (for example) a credit card that charges a “transactional fee” (i.e. a form of interest%) and then I made a mistake in fulfilling the customer’s order and was required to refund and repay the customer for their loss, would that include any “transactional fee” that their credit card charged them?

2. Also, say they got charged interest by their credit card company because they went over their monthly interest-free period or the maximum amount of interest-free credit with their credit card company, would I as the seller (who in this example made a mistake with their order) be liable to pay the customers interest% as part of the refund that Amazon would give them?

3. Is there any other interest% charges that Amazon would ever charge me for using Amazon as a seller?

I don’t believe in interest% charges, (as it is against the teachings of my religion, and morally it can be wrong to burden people with increased debt when they are already struggling to pay the original debt), so if there are any mandatory interest% bearing terms within Amazon’s seller’s agreements that I have to agree to in order to be a seller I will have to terminate my seller’s account.

Thanks in advance for your help!