Jordan vs Nigeria · Real-time payment systems compared
| Capability | CliQ | NIP |
|---|---|---|
| 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.
Nigeria's NIBSS Instant Payment system is the backbone of real-time interbank transfers in Africa's largest economy, operated by Nigeria Inter-Bank Settlement System (NIBSS). NIP enables 24/7 instant account-to-account transfers across all banks and fintech providers via account number, phone number, or BVN (Bank Verification Number). With over 200M people and a booming fintech ecosystem (OPay, PalmPay, Kuda, Moniepoint), NIP processes billions of transactions annually and is central to Nigeria's cashless policy. It also powers popular consumer apps and the NQR (NIBSS QR) standard for merchant payments.