Jordan vs Bahrain · Real-time payment systems compared
| Capability | CliQ | Fawri+ |
|---|---|---|
| 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.
Bahrain's instant payment service operated by BENEFIT Company (the national payment network) under Central Bank of Bahrain oversight. Fawri+ enables 24/7 real-time domestic transfers between banks in seconds, complementing the existing Fawri (next-day) service. Bahrain was an early adopter of instant payments in the Gulf region, and BENEFIT also operates BenefitPay, a mobile wallet app linked to Fawri+ for QR and P2P payments. The system connects all retail banks in the kingdom.