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CliQ

Country: Jordan (JO)  |  Payment Rail: real_time_payment

RealTimePayment Market Adoption: 28%

CliQ is the national instant payment network in Jordan operated by JoPACC and the central bank, featuring 24/7 real-time bank transfers and QR payments widely used for P2P transfers and e-commerce checkout.

🔄 User Payment Flow

  1. User selects CliQ at online checkout or scans merchant CliQ QR
  2. User enters merchant CliQ Alias or scans dynamic QR code
  3. User opens any Jordanian mobile banking app to authorize transfer
  4. User confirms transaction via banking biometric authentication or PIN
  5. Funds are credited to merchant account in real-time within seconds

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant integrates CliQ via acquiring bank or PSP gateway (PayTabs, HyperPay, MEPS)
  • Checkout generates dynamic CliQ payment alias or QR reference
  • Customer initiates instant push transfer through banking rail
  • JoPACC clears transaction instantly and merchant system receives webhook confirmation

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 Tap Payments🔌 HyperPay🔌 PayTabs