Payments/JO
Jordan
ISO JO · 3 schemes
Summary
- CliQ is the national instant payment system (2020)
- 1.28 million users (50% of banked consumers)
- 178% transaction growth in 2024
- QR merchant payments via Network International
- Open Banking pilot launched early 2025
Banking landscape
Central Bank
- Name: Central Bank of Jordan (CBJ)
- Website: https://www.cbj.gov.jo/
- Role: Monetary policy, CliQ supervision
Major Banks (2024)
| Rank | Bank Name | Type | Digital Platform |
|---|---|---|---|
| 1 | Arab Bank | Commercial | Arab Bank Mobile |
| 2 | Housing Bank | Commercial | HBTF Mobile |
| 3 | Jordan Ahli Bank | Commercial | Ahli Mobile |
| 4 | Cairo Amman Bank | Commercial | CA Mobile |
| 5 | Jordan Kuwait Bank | Commercial | JKB Mobile |
Market Structure
- JoPACC: Jordan Payments and Clearing Company
- 19 banks: CliQ participants
- 27 institutions: QR payment access
- Mobile wallets: Growing integration
Payment infrastructure
National Payment Systems
| System | Operator | Type | Status |
|---|---|---|---|
| CliQ | JoPACC | Instant payment | Active |
| RTGS-JO | CBJ | Large value | Active |
| ACH | JoPACC | Clearing | Active |
| JoMoPay | JoPACC | Mobile money | Active |
JoPACC Role
- Owns and operates CliQ
- CBJ supervised
- Payment clearing company
- Innovation driver
CliQ Statistics
- 1.28 million users
- ~20% of adults in Jordan
- 50% of banked consumers
- 178% growth in 2024
- 77.2% total volume growth (JoPACC 2024)
QR code standards
CliQ QR Payments
| Attribute | Value |
|---|---|
| Operator | JoPACC |
| Launch | 2020 |
| Banks | 19 participants |
| Institutions | 27 total |
QR Payment Features
- Dynamic QR codes at POS
- Merchant integration via Network International
- Mobile/online banking app scanning
- Instant settlement
- No additional fees
CliQ Identifier Types
- Username (alias)
- Mobile number
- Email address
- No IBAN required
Payment Types
- Account-to-Account (A2A)
- Peer-to-Peer (P2P)
- Person-to-Merchant (P2M)
- QR code payments
Mobile payment apps
| App | Provider | CliQ | QR |
|---|---|---|---|
| Arab Bank Mobile | Arab Bank | Yes | Yes |
| HBTF Mobile | Housing Bank | Yes | Yes |
| JKB Mobile | Jordan Kuwait | Yes | Yes |
| Mobile Wallets | Various | Yes | Yes |
Bank Mobile Apps
- All 19 participating banks
- CliQ integrated
- QR payment scanning
- Alias-based transfers
Network International Integration
- Updated POS devices
- Dynamic QR generation
- Merchant network coverage
- Instant payment processing
Schemes
| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| CliQ QR | Instant QR | JoPACC | 27 institutions | cliq-qr |
| Alias | Addressing | JoPACC | 1.28M users | — |
| Open Banking | API | CBJ | Pilot (2025) | — |
Sources
- JKB - CliQ Launch
- JoPACC - CliQ QR Launch
- KoreFusion - CliQ Success
- Brankas - Jordan Open Banking
- IBS Intelligence - Network International
- JKB - IATA Pay
- AJIB - CliQ
- Arab Bank - CliQ
- Currency Research - JoPACC
- Zawya - Network International
Full country report
Schemes
Standards
Primary · 1
Mentioned · 1