JoPACC Releases Its 2025 Payments Systems Report

The Jordan Payments and Clearing Company (JoPACC) has released its 2025 Payments Systems Report, highlighting another year of significant growth in digital payments across Jordan. The report presents substantial increases in transaction volumes and values, as well as in user adoption of JoPACC systems, reinforcing the ongoing shift towards a more digital financial ecosystem.

The report reveals that total transactions processed through JoPACC’s systems increased by 62% in 2025, reaching 363.84 million, up from 224.62 million in 2024. The total value of transactions grew by 16.6% to 93.26 billion JOD, reflecting increased adoption of digital payment services across various sectors. Despite the growth in value, the average transaction value fell by 28% to 256.3 JOD, highlighting the continued shift toward more frequent, everyday digital payments. 

Instant payments continued to expand in 2025, with CliQ transactions experiencing a 100.02% increase in volume, reaching 167.92 million transactions, and a 65% increase in value, totaling 19.97 billion JOD. The number of registered CliQ users also rose by 27.3%, reaching 2.13 million. JoMoPay transactions recorded strong growth compared to the previous year, with a 79.7% increase in volume to 102.04 million transactions and a 21.3% rise in total value to 6.34 billion JOD. The continued growth of these systems highlights the increasing reliance on instant digital payments in everyday transactions.

Digital financial inclusion continued to improve, with mobile wallet users reaching 2.81 million by the end of 2025. The percentage of female mobile wallet users declined from 48.8% to 46.8%, reflecting that new user growth during the year was driven more by male users than female users. The instant payments user base also grew by 12.9%, reaching 3.93 million users, with significant adoption among both bank account holders and mobile wallet users.

eFAWATEERcom transactions continued to grow at high rates in 2025, reaching 75.43 million transactions, an increase of 14.2% from 2024, with a total value of 15.99 billion JOD. The vast majority of these transactions were carried out digitally, reaching approximately 81%, compared to 80% last year, reflecting the ongoing shift away from cash-based payments.

Automated Clearing House (ACH) transactions recorded steady growth, with JOD- transaction volume increasing by 7.7%. Among foreign currencies, Euro (EUR) transactions experienced the largest increase in transaction volume rising by 7.1%, while British pound (GBP) transactions recorded the highest growth in transaction value, increasing by 19%. In addition, the average salary value in Jordanian Dinars remained relatively stable in 2025, showing a modest increase of 2.1% compared to 2024. The average salary rose from 534.5 JOD to 545.6 JOD, indicating minimal growth in wage levels over the year.

Cheque transactions remained a key component of Jordan’s payment landscape, with 6.29 million cheques processed through the ECCU system, totaling 40.96 billion JOD. The percentage of returned cheques declined to 7.7% of total transactions, following the abolishment of the imprisonment for debt law in June 2025.

The findings of the 2025 Payments Systems Report underscore Jordan’s progress toward a more efficient and inclusive digital payments ecosystem. The increasing adoption of instant payments highlights the positive impact of JoPACC’s efforts to enhance the security, accessibility, and efficiency of financial transactions. JoPACC remains committed to further developing and expanding digital payment solutions that cater to the evolving needs of individuals, businesses, and financial institutions.