How do people in Jordan pay online?
Instant bank transfers lead the growth. CliQ is the instant payment system run by the Jordan Payments and Clearing Company (JoPACC), in which the Central Bank of Jordan holds 45% and the banks operating in the Kingdom hold the rest. A customer sends money in seconds from a banking app using the payee’s alias, mobile number or IBAN, or approves a request to pay sent by the merchant. JoPACC reports that CliQ transactions doubled in 2025 to 167.92 million, worth JOD 19.97 billion, while the average payment fell to JOD 118.9. Registered users rose 27.3% to 2.13 million, and Jordan News, citing JoPACC, reported 2.22 million users at the end of the first quarter of 2026.
Mobile wallets add reach beyond bank customers. JoMoPay, the national switch for mobile wallets, had 2.81 million users and 102.04 million transactions in 2025, and purchases from wallets grew faster than any other wallet service. CliQ connects to wallets too, so money moves between bank accounts and wallets on the same rail. JoPACC counts 3.93 million instant payment users in total, of whom 1.75 million use only a wallet.
Bills are the third pillar. eFAWATEERcom, the national electronic bill presentment and payment system owned by JoPACC and operated by MadfoatCom, processed 75.43 million transactions worth JOD 15.99 billion in 2025. About 80% of those payments were digital and 20% were made in cash, and wallets and payment providers were the second largest category by value. Visa and Mastercard cards complete the picture for banked shoppers, and acquirers such as Network International also accept CliQ by QR code at the point of sale. Jordan’s population was 11.937 million at the end of 2025, according to the Department of Statistics.
What rules shape online payments in Jordan?
Foreign sellers of digital services owe sales tax. In January 2024 the Income and Sales Tax Department (ISTD) launched a platform for non-resident regional and international e-commerce companies. Companies without a branch in Jordan that provide electronic services to people in Jordan are treated as importing services, which are subject to the general sales tax. They register on the ISTD e-commerce platform, file returns there and pay the tax electronically to the Central Bank of Jordan’s treasury account. Jordan’s general sales tax rate is 16%.
Small parcels now carry sales tax too. From 1 February 2026, Jordan Customs applies a 16% sales tax to incoming postal parcels with a customs value of JOD 200 or less, with a minimum of JOD 5, for personal and commercial parcels from all countries. Parcels above JOD 200 stay under the normal customs tariff. The Customs Department counted more than 3.5 million e-commerce shipments in 2025, about 3.227 million of them valued below JOD 200, so the change touches most cross-border retail orders.
Personal data rules apply. The Personal Data Protection Law, No. 24 of 2023, was published on 17 September 2023 and took effect on 17 March 2024. Personal data may not be transferred to a recipient outside Jordan that offers less protection than the law requires, with exceptions that include banking operations and transfers of funds abroad. Fines run from JOD 1,000 to JOD 10,000 and double for repeat breaches.
How would Omno route payments in Jordan?
Omno is built for markets like this: a merchant connects once and sets routing rules per method, currency and customer group. In Jordan, orchestration would apply as follows:
- CliQ pay-ins would be routed to a provider or bank partner that can send a request to pay to the customer’s alias, with the order held as pending until the final status arrives.
- eFAWATEERcom payments would create a reference the customer pays from a banking app, a wallet or an agent, and the order would be released only once the provider confirms payment.
- Card pay-ins can be routed by BIN, so Visa and Mastercard cards go to the acquirer your rule sets for that issuer, with cascading to the next provider in the rule if one is unavailable or rejects the request.
- Payouts can follow PSP eligibility rules by method, currency and payout support, so money only goes through providers that support JOD transfers to the recipient’s own account or card.
Webhooks would report the final status of every payment, which is the record an order system should trust, and the routing-decision log would show which provider handled each payment and why.
What should merchants plan for?
Plan for CliQ first. It is the fastest growing way Jordanians pay, and a checkout that offers CliQ, then cards, then eFAWATEERcom covers bank customers, card holders and people who pay through agents or wallets.
Plan for a local JOD account. CliQ moves Jordanian dinars between accounts in Jordan and direct participation is open only to banks, so a foreign merchant needs a Jordanian bank or acquirer that collects on its behalf. JoPACC launched an international CliQ service in January 2026, but only for incoming transfers.
Plan for asynchronous payments. A request to pay or a bill reference can be paid minutes after checkout, so orders need a pending state, clear expiry times and webhook-driven fulfilment.
Plan for landed cost and tax. Digital service sellers should register on the ISTD platform, and sellers shipping goods should show Jordanian shoppers the 16% parcel tax at checkout rather than leaving it as a surprise on delivery.