Jordan · Account Transfer · Est. 2020
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.
CliQ is Jordan’s real-time payment system (Account Transfer), launched in 2020. Jordans national instant retail payment service, operated by JoPACC (Jordan Payments and Clearing Company) under Central Bank of Jordan oversight since 2020.
CliQ processed 167.9 million transactions worth $28.2bn in 2025, a year-on-year change of +100.1%.
CliQ is operated by JoPACC, with instant settlement.
CliQ launched in 2020, and today has 25 participating institutions.
CliQ supports QR code payments, proxy/alias lookup, request-to-pay, ISO 20022 messaging.
Data source: JoPACC (Jordan Payments and Clearing Company).
| Capability | Status |
|---|---|
| QR Code Payments | ✓ |
| Wallet Support | — |
| 24/7 Availability | ✓ |
| Cross-Border | — |
| ISO 20022 | ✓ |
| Request to Pay | ✓ |
| Open API | ◐ |
| Alias/Proxy | ✓ |