JoPACC

What JoPACC does

JoPACC (Jordan Payments and Clearing Company) is the national payment infrastructure operator of Jordan, founded in 2017 as a private shareholding company jointly owned by the Central Bank of Jordan (45%) and the country's 21 operating banks (55%). The company develops and operates the retail and micro-payment systems that underpin Jordan's digital financial ecosystem, including CliQ (instant payments), JoMoPay (mobile payments switch), eFAWATEERcom (electronic bill presentment and payment), ACH (automated clearing house), and ECCU (electronic cheque clearing unit). Its technology stack adopts ISO 20022 messaging standards and EMVCo-compliant QR codes, with all settlements executed in Central Bank RTGS electronic money, eliminating settlement, credit, and liquidity risk. JoPACC also operates JOIN, a fintech incubation center, and is deploying a Digital Identity and eKYC platform integrated with Jordan's national ID scheme.

The company's customers are banks, licensed mobile payment service providers (mPSPs such as Orange Money, Zain Cash, Dinarak, and Alawneh Pay), merchant acquirers, government entities, and ultimately consumers and merchants accessing services through participating banks' applications and wallets. By February 2026, the platform reported 2.16 million CliQ users, 2.85 million JoMoPay users, 5.09 million eFAWATEERcom users, and 17.70 million CliQ transactions worth 1.90 billion JOD. JoPACC monetizes primarily through transaction fees across its systems, with consumer-facing pricing ranging from free government bill payments to variable fees of 0.20 fils to 5.00 JOD depending on biller and channel; CliQ transfers are currently offered without direct consumer fees though banks retain pricing authority.

Name

JoPACC

Legal name

Jordan Payments and Clearing Company (JoPACC)

Website

https://jopacc.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

JoPACC is Jordan's national payment infrastructure operator, running CliQ instant payments, JoMoPay mobile switch, eFAWATEERcom bill payments, ACH, and electronic cheque clearing on behalf of all 21 Jordanian banks and 8 mobile wallet providers, with the Central Bank of Jordan and the banks as joint owners.

Ownership category

akta.pro rank

Product category

National Payment Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182)

SIC

Finance Services (6199)

akta.pro primary industry

Bank-to-Bank Transfers & Pay-by-Bank (Consumer & Merchant) (FSAMAFAC)

akta.pro secondary industries

Biller Direct EBPP Platforms (FSAMAJAA), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), EMV Chip, Magstripe & PIN Debit Acceptance (FSAMADAG)

Keywords

• National payment infrastructure
• Instant payment systems
• Mobile payments switch
• Electronic bill presentment
• Automated clearing house

Headquarters

HQ city

Amman

HQ country

Jordan

HQ region

Middle East

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Payment System Transaction Fees: JoPACC operates payment infrastructure and generates revenue through transaction fees processed through its systems including CliQ, JoMoPay, ACH, and ECCU. Financial institutions and mobile payment service providers pay for system access and transaction processing.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

JoPACC develops and operates Jordan's national digital payment infrastructure, providing real-time instant payment systems (CliQ), a mobile payments switch (JoMoPay), electronic bill presentment and payment (eFAWATEERcom), an automated clearing house (ACH), and image-based electronic cheque clearing (ECCU). These systems are licensed to and integrated by Jordan's 21 banks and 8 licensed mobile payment service providers, enabling end consumers and merchants to perform instant transfers, bill payments, QR-based merchant payments, and cheque processing through bank and wallet applications.

Product overview

JoPACC operates a platform-plus-systems architecture providing digital payment infrastructure for Jordan. The core systems include CliQ (instant payment system for real-time bank and mobile wallet transfers), JoMoPay (mobile payments switch connecting mobile wallets), eFAWATEERcom (electronic bill presentment and payment), ACH (automated clearing house for retail transfers), and ECCU (electronic cheque clearing). These systems are complemented by consumer-facing services including CliQ transfers, mobile wallet payments, bill payments, QR payments, IBAN confirmation, cheque payments, and bank transfers. JoPACC also operates JOIN, a fintech hub for incubation and innovation, and is developing a Digital Identity and eKYC platform for unified financial identity verification. The WhatsApp Inquiry Service provides account lookup functionality across all connected systems.

Differentiator

Problem solved

Functional benefit

Brands

• CliQ: Instant Payment System enabling real-time fund transfers between bank accounts and mobile wallets in Jordan, launched June 2020
• JoMoPay
• eFAWATEERcom
• ACH
• ECCU
• JOIN
• Mobile Wallets
• Jo-QR

Products and services

• CliQ Instant Payment System Jordan's national instant payment system enabling real-time fund transfers between bank accounts and mobile wallets across all participating banks in Jordan. Adopts ISO 20022 messaging standard and is fully interoperable. Licensed to 21 banks and used by consumers and merchants for 24/7 instant transfers.
• JoMoPay Mobile Payments Switch National switch for mobile payment services connecting electronic wallets, enabling fund transfers, ATM operations, and bill payments through mobile phones. Allows fund transfers, ATM cash-in/cash-out, bill payments, and USSD-based mobile payments. Used by 8 licensed mobile wallet providers.
• eFAWATEERcom Electronic Bill Payment System Electronic Bill Presentment and Payment system enabling bill inquiry and payment through various channels including ATMs, mobile banking, internet banking, mobile wallets, and Jordan Post branches. Served 5.09 million users as of February 2026.
• ACH Automated Clearing House System for low-value high-volume debit and credit bank-to-bank transfers handling payrolls, credit card bills, bill payments, and retirement payments for transactions under JOD 100,000. Licensed to Jordan's banks.
• ECCU Electronic Cheque Clearing Unit Electronic cheque clearing system enabling same-day cheque collection and processing. Converts cheques to data and images, reducing cheque-processing time and ensuring secure fund transfers. Licensed to Jordan's banks.
• CliQ Instant Payments Service Consumer-facing instant payment service enabling single credit transfers, request to pay, return payments, and QR code payments at merchants through the CliQ system. Used by consumers via participating bank mobile apps.
• Mobile Wallet Payments Service Mobile wallet transfer and payment services through JoMoPay-connected mobile wallets including Orange Money, Zain Cash, Dinarak, Alawneh Pay, GatetoPay, National Wallet, MadPay, and UWallet.
• Bill Payment Service Bill payment service through eFAWATEERcom enabling payment of government bills, utilities, telecommunications, insurance, and eCommerce transactions by consumers and businesses.
• QR Code Payments Service EMVCo-compliant QR code payment service enabling merchants to accept payments through scan-and-pay functionality integrated with CliQ and JoMoPay. Used by merchants and consumers at retail point of sale.
• IBAN Confirmation Service Service for confirming IBAN details before completing transfers to ensure accurate fund routing. Used by banks, mPSPs, and consumers to validate beneficiary accounts.
• Cheque Payments Service Electronic cheque processing service enabling same-day cheque collection and verification through ECCU. Used by banks, businesses, and consumers.
• Bank Transfers Service ACH-based bank-to-bank retail transfer service for amounts under JOD 100,000, handling payrolls, credit card bills, and retirement payments.
• WhatsApp Inquiry Service Automated WhatsApp service enabling customers to inquire about their mobile wallet and CliQ accounts using their registered mobile number.
• JOIN Fincubator Fintech incubation center and innovation hub supporting startups and MSMEs with programs, offerings, initiatives, and stakeholder engagement in the digital financial services ecosystem.
• Digital Identity and eKYC Platform Unified financial identity platform for individuals and businesses enabling remote digital identity verification, biometric authentication, and consent-driven data sharing with financial institutions. Integrates with government service bus, civil status, and passport department records.
• Unified Agent Interface (UAI) Interoperable platform for mobile payment service provider agents to serve any mobile wallet user, with OCR-based wallet inquiry and fee comparison capabilities. Developed in-house at JoPACC.

Quantifiable outcome

• 2.16 million CliQ users, 2.85 million JoMoPay users, 5.09 million eFAWATEERcom users as of February 2026
• +2 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability4 records

Feature7 records

Partnerships

Eight partnerships are on record, tiered minor and core.

• King Hussein Cancer FoundationminorStrategic or Co-development Partner · 17 May 2026JoPACC signed a partnership agreement with the King Hussein Cancer Foundation to support early cancer detection project, demonstrating corporate social responsibility initiatives.
• 21 Operating Banks in JordancoreChannel Partner/ Reseller/ Distributor55% owners of JoPACC. All banks operating in Jordan (except Al Rafidain Bank) participate in CliQ instant payment system, integrating the service into their mobile banking offerings for customers.
• GIZ (German Society for International Cooperation)minorStrategic or Co-development PartnerPartnered with JoPACC on supply chain financing challenge to address issues affecting MSMEs, including launching a challenge program for fintech companies.
• European Bank for Reconstruction and Development (EBRD)minorStrategic or Co-development PartnerCollaborates with JoPACC to enhance financial innovation and support MSMEs through fintech solutions and financing programs.
• UNHCR (United Nations High Commissioner for Refugees)minorStrategic or Co-development PartnerPartnership to enable refugees' access to digital financial services. UNHCR provides identification documents allowing refugees to open bank accounts or mobile wallets and receive monthly cash assistance digitally through JoMoPay.
• National Aid FundminorStrategic or Co-development PartnerGovernment entity migrating cash assistance recipients to digital financial services, disbursing assistance solely through mobile wallets facilitated by JoMoPay's bulk payment capabilities.
• Credit PlusminorStrategic or Co-development PartnerStartup from JOIN fintech center that developed supply chain financing solution in partnership with three banks (Jordan Kuwait Bank, Housing Bank for Trade and Finance, Jordan Islamic Bank) to provide working capital financing for MSMEs.
• Mobile Wallet Providers (Orange Money, Alawneh Pay, Dinarak, Zain Cash, GatetoPay, National Wallet, MadPay, UWallet)coreChannel Partner/ Reseller/ DistributorEight licensed mobile payment service providers participating in JoMoPay switch, offering mobile wallet services to consumers across Jordan. Each provider offers fund transfers, bill payments, cash-in/cash-out through their respective applications and agent networks.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Pay.UK: Pay.UK operates the UK's national retail payment systems including Faster Payments, Bacs, and the Image Clearing System. Both JoPACC and Pay.UK operate national ACH, instant payment, and cheque image clearing systems, providing interoperable payment infrastructure to banks.

Regional players

• Central Bank of the UAE - Instant Payment Platform (IPP): The UAE central bank operates Aani, an instant payment platform, and the IPP digital payment infrastructure. Operates similar functional scope (instant payments, A2A transfers) to JoPACC's CliQ, but at a much larger scale in the UAE market.
• STC Pay / Mada Pay (Saudi): STC Pay (now Mada Pay) is a major Saudi mobile wallet and digital payment platform operating in a comparable MENA market. Provides similar mobile wallet and instant payment functionality to JoPACC's JoMoPay ecosystem, though at a single-wallet rather than switch-operator level.
• Saudi Central Bank (SAMA) - Saudi Payments: SAMA operates Saudi Arabia's national payment infrastructure including the Mada payments network, SARIE instant payment system, and EDAAD bill payment platform. Comparable as a MENA central-bank-affiliated national payment operator with instant payments, bill pay, and QR payment capabilities.

Broad incumbents

• Federal Reserve - FedNow Service: The Federal Reserve's FedNow Service is a US instant payment infrastructure that enables real-time bank-to-bank transfers. Like JoPACC's CliQ, FedNow provides a real-time gross settlement layer for interbank transfers, though at much larger scale and operated by a central bank.
• M-Pesa (Vodafone / Safaricom): M-Pesa operates one of the world's largest mobile money platforms with bill payment, P2P transfers, and merchant payment services. Operates similar mobile wallet switch and bill payment functionality to JoPACC's JoMoPay and eFAWATEERcom, but on a much larger, multi-country scale.
• National Payments Corporation of India (NPCI): NPCI operates India's Unified Payments Interface (UPI), IMPS, and other national payment systems as a not-for-profit entity owned by Indian banks and the Reserve Bank of India. Like JoPACC, NPCI is a national payment switch owned by central bank and commercial banks, operating interoperable real-time payment rails at national scale.
• Network International (NPN): Network International is a leading payment processor in the MENA region, providing merchant acquiring, payment processing, and digital banking services. Operates in adjacent payment infrastructure space, serving many of the same regional banks and merchants that JoPACC serves.

Emerging players

• Fawry: Fawry is Egypt's leading electronic bill presentment and payment platform serving consumers and merchants. Like JoPACC's eFAWATEERcom, Fawry focuses on bill aggregation and payment, but operates in a larger commercial market and is publicly traded.

Others

• ACI Worldwide: ACI Worldwide provides real-time electronic payment software and platforms to banks, processors, and central banks globally. Comparable as an underlying technology provider for national payment switches, with solutions like ACI's Real-Time Payments platform serving similar use cases to JoPACC's systems.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/JoPACC
• YouTubeyoutube.com/@jopacc-jordanpaymentsandcl9532
• Facebookweb.facebook.com/JorPACC/?_rdc=1&_rdr=
• LinkedInlinkedin.com/company/jopacc/?originalSubdomain=jo

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about JoPACC