Jordan vs Malaysia · Real-time payment systems compared
| Capability | CliQ | DuitNow |
|---|---|---|
| QR Code Payments | ✓ | ✓ |
| Wallet Support | — | ✓ |
| 24/7 Availability | ✓ | ✓ |
| Cross-Border | — | ✓ |
| ISO 20022 | ✓ | ✓ |
| Request to Pay | ✓ | ✓ |
| Open API | ◐ | ✓ |
| Alias/Proxy | ✓ | ✓ |
Jordan's national instant retail payment service, operated by JoPACC (Jordan Payments and Clearing Company) under Central Bank of Jordan oversight since 2020. Enables 24/7 real-time transfers between accounts at all licensed banks and payment service providers via CliQ alias (mobile number or user handle) instead of IBAN. Supports person-to-person and person-to-merchant transfers with a companion merchant QR standard and Request-to-Pay features. Domestic-only rail priced at cost recovery under CBJ pricing rules. 2025 volume doubled year-on-year (83.9M to 167.9M transactions), among the fastest-growing RTP systems globally.
Malaysia's unified real-time payment platform operated by Payments Network Malaysia (PayNet). DuitNow supports instant transfers via mobile number, NRIC, passport number, or business registration, with DuitNow QR enabling interoperable merchant payments across all banks and e-wallets. The system also includes DuitNow Request (request-to-pay) and DuitNow Autodebit for recurring payments. Cross-border QR linkages with Thailand's PromptPay, Singapore's PayNow, and Indonesia's QRIS are live or in progress.