Jordan vs Japan · Real-time payment systems compared
| Capability | CliQ | Zengin |
|---|---|---|
| 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.
Japan's domestic interbank clearing network, one of the oldest electronic payment systems in the world, connecting over 1,000 banks. Originally batch-only; upgraded to 24/7 real-time in 2018 via the More Time System. Underpins consumer real-time transfers in every Japanese bank's mobile app, any-bank ATM transfers, and the bank-funding legs of major consumer wallets (PayPay, LINE Pay, Rakuten Pay, au PAY). Operated by the Japanese Bankers Association with settlement through the BOJ. Note: data includes all Zengin transactions (real-time and batch-processed).