CliQ
国家/地区: 约旦 (JO) | 底层清算轨道: real_time_payment
RealTimePayment
市场普及率: 28%
CliQ 是约旦央行与 JoPACC 推出的国家级 24/7 实时支付系统，以手机号、别名及二维码直连银行账户为核心，广泛用于即时个人转账、电商结账及商户即时收单。
🔄 用户付款交互流 (User Flow)
- User selects CliQ at online checkout or scans merchant CliQ QR
- User enters merchant CliQ Alias or scans dynamic QR code
- User opens any Jordanian mobile banking app to authorize transfer
- User confirms transaction via banking biometric authentication or PIN
- Funds are credited to merchant account in real-time within seconds
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | YES |
| 订阅自动代扣 | NO |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- 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
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Tap Payments🔌 HyperPay🔌 PayTabs