eFAWATEERcom

What eFAWATEERcom does

eFAWATEERcom is Jordan's first and officially authorized electronic billing and payment system, operated by MadfoatCom for Electronic Payment under the ownership of the Jordan Payments and Clearing Company (JoPACC) and the supervision of the Central Bank of Jordan. Launched commercially in 2014 after CBJ authorization in 2013, the platform provides a unified digital interface for viewing and settling recurring bills across approximately 676 billers and 2,310 services spanning utilities (water, electricity), telecom, government fees, education, financial services, healthcare, insurance, and other sectors. The platform reaches users across multiple channels including a proprietary web portal, an iOS/Android mobile application, partner bank apps, e-wallets, ATMs, a nationwide POS agent network, and the government-backed Sanad digital identity app via the eFAWATEERcom Pay service.

The technical architecture is hosted and managed by MadfoatCom on dedicated infrastructure including a specialized data center established in 2024. Security features include bank-level encryption, 3D Secure authentication, OTP verification, ISO-certified security compliance, PCI-DSS adherence for card data handling, and AI-based real-time fraud detection with 24/7 monitoring. Accepting payment via bank accounts, Visa, Mastercard, PayPal, Google Pay, and Apple Pay, the platform supports instant payment confirmation with digital receipts and bills presentment.

The business model is transaction-fee based with a tiered structure that varies by payment method (lower fees for bank-account-funded transfers and higher fees for card transactions) and transaction value. The platform operates on a product-led growth motion: users self-onboard via the app or web portal without sales intervention, and billers join through standard integration processes. Distribution is amplified through Jordanian banks, PSPs, e-wallets, ATMs, and authorized cash agents, providing access to both banked and underbanked populations. Strategic partnerships — most recently with Valu Jordan (2026) — extend the biller base into new vertical categories such as consumer finance installments.

Name

eFAWATEERcom

Legal name

MadfoatCom for Electronic Payment (مدفوعاتكم للدفع الإلكتروني)

Website

https://efawateercom.jo

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

eFAWATEERcom is Jordan's first and officially authorized national electronic billing and payment system, operating under Central Bank of Jordan supervision via MadfoatCom and JoPACC to enable consumers, businesses, and government entities to view and pay bills across 676 billers and 2,310 services through a unified mobile app, web portal, and partner distribution channels.

Ownership category

akta.pro rank

Product category

Electronic Bill Payment Platform

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199)

akta.pro primary industry

Biller Direct EBPP Platforms (FSAMAJAA)

akta.pro secondary industries

Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Utility & Municipal Billing Platforms (FSAMAJAG)

Keywords

• Electronic bill payment
• Payment processing platform
• Bill aggregation services
• Digital payment infrastructure
• Consumer payment solutions

Headquarters

HQ city

Amman

HQ country

Jordan

HQ region

Middle East

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Transaction Fees: Minimal fees are charged per transaction processed through eFAWATEERcom, covering the cost of instant processing, security, and continuous platform improvements. Fees vary based on payment method (bank account vs. card) and transaction amount, following a simple and tiered pricing system.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels5 records

Core offering

eFAWATEERcom is a unified electronic billing and payment platform that enables consumers to view, manage, and pay bills from more than 676 billers, including utilities, telecom operators, government entities, and educational institutions, through a single interface. The platform operates across web, mobile, bank, e-wallet, ATM, and retail POS channels, providing real-time bill presentment, payment processing, and reconciliation for both consumers and biller organizations. It is owned by JoPACC and operated by MadfoatCom, serving as Jordan's national-scale digital bill payment infrastructure.

Product overview

eFAWATEERcom is Jordan's official electronic billing and payment system providing a comprehensive digital bill payment platform. The product portfolio consists of three main offerings: (1) the eFAWATEERcom Portal — a web-based platform for viewing and paying bills online; (2) the eFAWATEERcom Mobile Application for iOS and Android delivering the same bill payment capabilities on mobile devices; and (3) eFAWATEERcom Pay — a payment service integrated through the Sand government app supporting Google Pay and Apple Pay. All three products are managed by MadfoatCom under supervision of the Central Bank of Jordan and the Jordan Payments & Clearing Company (JoPACC), serving approximately 5 million users across 676 billers and 2,310 services.

Differentiator

Problem solved

Functional benefit

Brands

• eFAWATEERcom Pay: A secure electronic payment service enabled through the Sondos application, managed by MadfoatCom under Central Bank of Jordan supervision, allowing users to save bank accounts and pay government bills easily through a unified platform.

Products and services

• eFAWATEERcom Web Portal A web-based electronic bill payment portal that allows individual consumers in Jordan to view, manage, and pay bills from utilities, telecom operators, government entities, and other service providers through a single online interface.
• eFAWATEERcom Mobile Application A mobile application for iOS and Android that allows consumers to view, manage, and pay bills from 676+ billers in Jordan, save favorite billers, set up reminders, view payment history, and pay via multiple channels including bank apps, e-wallets, ATMs, and retail agents.
• eFAWATEERcom Pay A frictionless payment feature that lets consumers pay any eFAWATEERcom bill through a payment link or QR code shared by the biller, without requiring the user to log in or register on the eFAWATEERcom application.

Quantifiable outcome

• 64.39 million transactions processed in the first 11 months of 2025, with JOD 14.39 billion in total payment value
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability2 records

Feature6 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• Valu JordancoreStrategic or Co-development Partner · 13 May 2026Madfoatcom and Valu Jordan signed a strategic partnership enabling Valu Jordan customers to inquire about and settle their dues through eFAWATEERcom. Valu Jordan became a biller on the platform, offering flexible installment payment options to its customers directly through the eFAWATEERcom app or website portal. Signed by CEO Lama Zawati (Madfoatcom) and CEO Mohammad Al Yousef (Valu Jordan), the partnership aims to drive digital transformation in Jordan's financial services sector and expand financial inclusion.
• Sanad App (Ministry of Digital Economy and Entrepreneurship)coreTechnology or Integration · 14 January 2026eFAWATEERcom Pay was launched through the Sanad app, managed by the Ministry of Digital Economy and Entrepreneurship. The service enables users to save bank accounts and pay government bills via a unified platform, with support for Google Pay and Apple Pay, extending digital payment accessibility through a government-backed digital identity app.
• DigiSkills AssociationminorStrategic or Co-development Partner · 27 December 2025Madfoatcom signed its second project under the Digital Enablement and Employment Program, managed by DigiSkills Association and funded by the Ministry of Digital Economy and Entrepreneurship through the Youth, Technology, and Jobs (YTJ) Project. The initiative provides career development opportunities and upskilling for young professionals within MadfoatCom.
• Jordan Payments & Clearing Company (JoPACC)coreOthersJoPACC is the owner of the eFAWATEERcom platform. The company is the Jordanian national payment systems operator responsible for the billing and payment infrastructure.
• Central Bank of Jordan (CBJ)coreOthersThe Central Bank of Jordan provides official supervision and regulation of the eFAWATEERcom platform, ensuring it meets high standards of quality, security, and performance. CBJ grants the platform its official trust and regulatory credibility.
• Madfoatcom (مدفوعاتكم)coreOthersMadfoatcom is the operating company that builds, manages, and runs the eFAWATEERcom platform. Founded in 2011 by Engineer Nasser Saleh and headquartered in Amman, Madfoatcom develops all digital payment solutions for eFAWATEERcom and launched a specialized data center in 2025 to enhance processing speed and cybersecurity.
• VisacoreTechnology or IntegrationVisa serves as a primary payment method accepted on the eFAWATEERcom platform, enabling cardholders to pay bills using their Visa debit or credit cards through the web portal, mobile app, and POS terminals.
• MastercardcoreTechnology or IntegrationMastercard is accepted as a payment method on eFAWATEERcom across all digital and physical channels, enabling card-based bill payments for Mastercard holders.
• Jordanian Banks and PSPscoreChannel Partner/ Reseller/ DistributorJordanian banks and Payment Service Providers (PSPs) integrate with eFAWATEERcom to offer bill payment services through their respective banking apps, internet banking platforms, and ATM networks, serving as key distribution channels for the platform.
• Authorized Cash Agents NetworkcoreChannel Partner/ Reseller/ DistributorA nationwide network of authorized agents (exchange houses, supermarkets, stationery shops, mobile stores) equipped with POS terminals enables cash-based bill payments for users who prefer in-person transactions, extending the platform's reach to underbanked populations.

Scale indicators10 records

Recent moves8 records

Expansion highlights6 records

Broad incumbents

• Network International: Leading MEA payments processor (now part of Brookfield) offering merchant acquiring, issuing, and digital payment infrastructure across the region. Comparable as an established regional payments incumbent whose PayIt division is a direct bill-payment competitor to eFAWATEERcom.
• Geidea: Saudi-headquartered payment processor serving merchants across MENA with POS, payment gateway, and digital banking infrastructure. Comparable as a regional payment infrastructure provider operating at a different layer of the stack but addressing overlapping SMB and consumer payment use cases.

Regional players

• HyperPay: Jordanian/MENA digital payment service provider offering online payment gateway, digital wallets, and merchant services across the region. Comparable as a Jordan-rooted regional fintech providing payment infrastructure that overlaps with parts of eFAWATEERcom's stack.

Direct peers

• Benefit: Bahrain's national electronic bill payment service operating under Central Bank of Bahrain oversight, processing utility, telecom, government, and education bills. Directly comparable as a small-market, regulator-supervised national EBPP platform.
• SADAD: Saudi Arabia's national electronic bill presentment and payment service (now operated by Mada/SAMA ecosystem) covering utilities, government, telecom, and education bills. Closely comparable as a regulator-backed national bill payment aggregator serving consumer and SMB segments.
• Fawry: Egypt's leading electronic bill presentment and payment (EBPP) platform processing tens of millions of monthly transactions across utilities, telecom, government, education, and financial services. Operates an analogous multi-channel, multi-biller bill-payment aggregator model with a similar transaction-fee revenue structure.
• Masary: Egyptian electronic bill payment platform enabling consumers to pay utility, telecom, government, and other bills via POS, mobile, and web channels. Directly comparable in MENA EBPP aggregation, especially in physical agent/POS-driven bill payment.
• PayIt: UAE-based digital government payment platform (originally by Network International) enabling consumers and businesses to pay government and non-government bills through a unified digital experience. Highly comparable as a digital-first, multi-biller government and utility payment aggregator in the GCC.

Others

• Madfooatcom (operating entity): Operating company of eFAWATEERcom itself — included as an ecosystem reference since Madfooatcom is both the technology operator of eFAWATEERcom and a broader payment gateway provider (Madfoatcom Gateway) used by merchants, illustrating the platform's broader infrastructure footprint.

Emerging players

• Tap Payments: MENA-focused payment gateway and financial infrastructure provider offering online checkout, payment links, and digital banking services. Comparable as a regional emerging fintech addressing similar merchant and consumer digital payment flows in overlapping geographies.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/eFAWATEERcom
• Facebookfacebook.com/eFAWATEERcom
• Instagraminstagram.com/efawateercom
• LinkedInlinkedin.com/company/madfoo3at-com

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 eFAWATEERcom