FAQ

eFAWATEERcom is an Electronic Bill Presentment & Payments (EBPP) system. It is owned by Jordan Payments & Clearing Company (JoPACC) and operated by MadfooatCom for Electronic Payments. Using this system, you will be able to pick the time and place (24*7*365 availability) you want to pay your bills through a variety of payment channels that include ATMs, Tellers, Mobile and Online Banking services, along with a number of trusted centers across the Kingdom.

JoMoPay stands for (Jordan Mobile Payment), and it is an electronic system operated by JoPACC and overseen by the Central Bank of Jordan, in which banks, companies, and beneficiaries of the service are registered for the purposes of exchanging financial transactions. Through this system, the net clearing position is worked out and debited to the accounts of banks by the use of the Real-Time Gross Settlement system (RTGS).

Jordan Payments & Clearing Company (JoPACC) is a Private Company -Limited by shares- that was established in 2017 and is based in Amman – Jordan. JoPACC has three main areas of work: operating and enhancing payment systems, investing in innovative solutions to enhance financial services, and knowledge management and business analytics.

The system aims at facilitating and accelerating the bill payments process through different payment channels in the Kingdom (bank’s branches, ATMs, mobile banking, internet banking, mobile wallets (JoMoPay), Jordan post offices, kiosks and others). It also aims at transferring from a paper-based society to a digital ecosystem that offers 24*7*365 service, reduces traffic and crowded queues, which in turn would reduce expenses among other societal and economic benefits. This system is considered to be one of the most advanced systems that achieved positive progress in the field of retail payments.

• Fund transfer through e-wallets
• Payment through Point of Sales (POS) devices using Near Field Communication (NFC) Technology
• ATM Cash-out operations
• Connection with Electronic Bill Presentment and Payment System (eFAWATEERcom)
• Mobile payment through the use of USSD messages technology

The Central Bank of Jordan (CBJ) along with the 24 banks operating in the Kingdom, while allowing for future non-banks membership and shareholding when the CBJ decides to divest its share and exit the market.

By accessing the eFAWATEERcom website (www.efawateercom.jo), and filling in the required data. You will need to have your national ID number or passport number at hand.

Anyone with a mobile phone subscription on a Jordanian mobile network can open an e-wallet, including Jordanian and non-Jordanian citizens, tourists and refugees. Minors can also have an account, but only through their guardian.

JoPACC owns and manages the following systems:

• Jordan Mobile Payment Service (JoMoPay)
• Electronic Bill Presentment and Payment System (eFAWATEERcom)
• Automated Clearing House System (ACH)
• Electronic Cheques Clearing System (ECC)
• Instant Payment System (CliQ)

Payment channels are multiple payment options available for you to pay your bills using eFAWATEERcom service. The payment channels are:

• Banks: Online Banking (including mobile and internet banking), ATM machines, and tellers at physical bank branches (Banks counters).
• POS (Point of Sale) and Agents: Such as Exchange houses and Supermarkets and other participants within the eFAWATEERcom agent network.
• eFAWATEERcom Website: By visiting (www.efawateercom.jo) and using a Credit Card (Visa or MasterCard), or using DirectPay; the service that links directly to your bank account.