# Jordan — payment codes and schemes

> Source: https://docs.barcoder.ai/docs/payments/JO
> extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

## Summary

- **CliQ** is the national instant payment system (2020)
- **1.28 million users** (50% of banked consumers)
- **178% transaction growth** in 2024
- **QR merchant payments** via Network International
- **Open Banking pilot** launched early 2025

## Banking landscape

### Central Bank
- **Name:** Central Bank of Jordan (CBJ)
- **Website:** https://www.cbj.gov.jo/
- **Role:** Monetary policy, CliQ supervision

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | Arab Bank | Commercial | Arab Bank Mobile |
| 2 | Housing Bank | Commercial | HBTF Mobile |
| 3 | Jordan Ahli Bank | Commercial | Ahli Mobile |
| 4 | Cairo Amman Bank | Commercial | CA Mobile |
| 5 | Jordan Kuwait Bank | Commercial | JKB Mobile |

### Market Structure
- **JoPACC:** Jordan Payments and Clearing Company
- **19 banks:** CliQ participants
- **27 institutions:** QR payment access
- **Mobile wallets:** Growing integration

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| CliQ | JoPACC | Instant payment | Active |
| RTGS-JO | CBJ | Large value | Active |
| ACH | JoPACC | Clearing | Active |
| JoMoPay | JoPACC | Mobile money | Active |

### JoPACC Role
- Owns and operates CliQ
- CBJ supervised
- Payment clearing company
- Innovation driver

### CliQ Statistics
- **1.28 million users**
- **~20% of adults** in Jordan
- **50% of banked consumers**
- **178% growth** in 2024
- **77.2% total volume growth** (JoPACC 2024)

---

## QR code standards

### CliQ QR Payments

| Attribute | Value |
|-----------|-------|
| **Operator** | JoPACC |
| **Launch** | 2020 |
| **Banks** | 19 participants |
| **Institutions** | 27 total |

### QR Payment Features
- Dynamic QR codes at POS
- Merchant integration via Network International
- Mobile/online banking app scanning
- Instant settlement
- No additional fees

### CliQ Identifier Types
- Username (alias)
- Mobile number
- Email address
- No IBAN required

### Payment Types
- Account-to-Account (A2A)
- Peer-to-Peer (P2P)
- Person-to-Merchant (P2M)
- QR code payments

---

## Mobile payment apps

| App | Provider | CliQ | QR |
|-----|----------|------|-------|
| Arab Bank Mobile | Arab Bank | Yes | Yes |
| HBTF Mobile | Housing Bank | Yes | Yes |
| JKB Mobile | Jordan Kuwait | Yes | Yes |
| Mobile Wallets | Various | Yes | Yes |

### Bank Mobile Apps
- All 19 participating banks
- CliQ integrated
- QR payment scanning
- Alias-based transfers

### Network International Integration
- Updated POS devices
- Dynamic QR generation
- Merchant network coverage
- Instant payment processing

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [CliQ QR](https://docs.barcoder.ai/docs/payments/JO/cliq-qr) | Instant QR | JoPACC | 27 institutions | [`cliq-qr`](https://docs.barcoder.ai/docs/standards/cliq-qr) |
| [Alias](https://docs.barcoder.ai/docs/payments/JO/alias) | Addressing | JoPACC | 1.28M users | — |
| [Open Banking](https://docs.barcoder.ai/docs/payments/JO/open-banking) | API | CBJ | Pilot (2025) | — |

## Sources

- [JKB - CliQ Launch](https://www.jkb.com/en/news/jordan-kuwait-bank-launches-instant-payment-service-cliq)
- [JoPACC - CliQ QR Launch](https://www.jopacc.com/En/NewsDetails/JoPACC__NI_Launch_Instant_QR_Payment_through_CliQ)
- [KoreFusion - CliQ Success](https://www.korefusion.com/insights/cliq-jordans-upcoming-real-time-payments-success-story)
- [Brankas - Jordan Open Banking](https://blog.brankas.com/A-New-Era-Begins-In-Jordan-Open-Banking)
- [IBS Intelligence - Network International](https://ibsintelligence.com/ibsi-news/network-international-jordan-incorporates-instant-payments-through-cliq/)
- [JKB - IATA Pay](https://www.jkb.com/en/iata-pay-service-and-cliq-instant-payment-system)
- [AJIB - CliQ](https://www.ajib.com/cliq-0)
- [Arab Bank - CliQ](https://www.arabbank.jo/mainmenu/home/ways-to-bank/instant-payment-service-cliq)
- [Currency Research - JoPACC](https://cbpn.currencyresearch.com/blog/2023/03/23/jordan-marks-a-decade-of-digital-financial-services-developments)
- [Zawya - Network International](https://www.zawya.com/en/press-release/companies-news/network-international-jordan-incorporates-instant-payments-through-cliq-into-its-services-and-platforms-l892gixg)

## Full country report

[JO-jordan.md](https://docs.barcoder.ai/docs/payments/JO)