means any transaction, whatever its form may be, and whether or not it forms part of another transaction, by which--
| a) | a credit grantor sells or supplies to a credit receiver movable property or services, against payment by the credit receiver to the credit grantor of a sum of money; or |
| b) | a credit grantor transfers or grants to a credit receiver the use or enjoyment of movable property or services against payment by the credit receiver to the credit grantor of a sum of money. |