CliQJordan’s alias-based instant payment rail (CliQ ID), which puts bank accounts and mobile wallets on an equal footing. It is often cited as an inclusion model for middle-income economies.Jordan Payments and Clearing Company (JoPACC) · since 20202.13 million registered users at the end of 2025, up 27.3% year over year; the overall instant payments user base reached 3.93 million, up 12.9% (JoPACC, Payments Systems Report 2025).
Global registry · Africa & Middle East · West Asia
Jordan Payment systems
6 systems listed.
This country doesn’t have a written market analysis yet: e-commerce shares, regulator, and key players are still to be documented. The systems below, however, are verified.
IBAN · Jordan
30 characters168 BIC codes
- Total length
- 30 characters
- Bank code position
- 5–8
- Branch code position
- 9–12
- BBAN structure
4!a4!n18!c
Structurally valid example
JOcountry code94check digitsCBJObank0010branch000000000131000302account
JO94 CBJO 0010 0000 0000 0131 0003 02
Learn about this market. The guides and courses that cover it.
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Instant payments
Clearing and settlement
eFAWATEERcomJordan’s national bill payment platform: a one-stop shop for presenting and paying public and private bills, accessible from every bank and wallet.JoPACC / Central Bank of Jordan · since 201475.43 million transactions in 2025, up 14.2% year over year (JoPACC, Payments Systems Report 2025).
ECC (Electronic Cheques Clearing System)Check image clearing: the paper check is scanned, only the data and image move between banks, and only net balances are settled. Its 2007 launch brought check collection down to same-day, and the platform was rebuilt in 2023. Because checks are still widely used as a form of security in Jordan, this system matters more than its age suggests.Jordan Payments and Clearing Company (joint-stock company set up in 2017 by the Central Bank of Jordan and the country's 25 banks; the system, launched in 2007, was previously run by the central bank itself) · since 2007
Mobile money
JoMoPayNational mobile money switch: Jordanian wallets (Zain Cash, Dinarak, UWallet, and others) are interoperable by design, which is the exception in the region.JoPACC on behalf of the Central Bank of Jordan · since 2013102.04 million transactions in 2025 (+79.7% by volume), worth JOD 6.34 billion (+21.3% by value) (JoPACC, Payments Systems Report 2025).
Acquiring and processing
JONETJordan's national switch. It routes ATM and POS transactions between banks and on to international schemes, so any ATM accepts every card, domestic or foreign, and each bank earns a return on its terminal fleet. Discover opened acceptance in Jordan through this switch in 2021. Do not confuse it with JoPACC, which runs the account-to-account retail rails.Network International Jordan (private operator of Jordan's national switch; the brand is also spelled JoNet)100% of ATMs and about 80% of Jordanian merchants connected (Network International, 2021).
Other
RTGS-JOJordan's RTGS, launched by the central bank in 2002 for wholesale settlement between banks. The five retail systems run by JoPACC (ECC, ACH, eFAWATEERcom, JoMoPay, and CliQ) settle their net balances in it. It is the kingdom's only point of finality in central bank money, so every Jordanian service already listed depends on it.Central Bank of Jordan · since 2002