JoMoPay System

 

JoMoPay is an electronic system that provides instant mobile payment services, where mobile wallets are registered on the system for the purpose of exchanging financial transactions between mobile wallets and to and from bank accounts. The JoMoPay system was officially launched in 2014 as a result of radical changes that occurred in mobile payment services in terms of storing small financial values ​​and transferring them to others to meet their financial needs.

In December 2021, JoMoPay was upgraded to the  ISO 20022 financial messaging standard. Through this upgrade, instant transactions between JoMoPay and JoPACC’s instant payment system, CliQ, which adopts the same ISO 20022 standard, have become possible. In other words, clients of all mobile wallet providers in Jordan and all participating banks on CliQ can make instant transfers among each other in an interoperable manner.

Features

Full Interoperability

Leveraging the ISO 20022 messaging standard, instant transfers are now possible between all mobile payment service providers (mPSPs) and all banks participating on CliQ, allowing for faster, interoperable transactions. 

interoperability

Multiple Payment Addressing Modes

JoMoPay facilitates money transfers by using aliases as wallet identifiers, which can be a name, the user’s mobile number, or an email format that users can use as wallet identifiers in sending and receiving transfers. 

Aliases

Request to Pay

JoMoPay allows payees, through mobile wallets, to send a request for payment directly to the payer’s account, including mobile wallets and bank accounts registered on CliQ. The payer has the option to accept or reject this request. If accepted, the requested amount is transferred instantly to the requester’s account.  

Request to Pay

Return Payments

As an additional layer of convenience to clients, and to improve the traceability of returned transactions, JoMoPay enables payees, through their mobile wallets, to return received payments to the originator, allowing them to return the whole amount or part of it. 

Return Payment

Payee Confirmation

An extra measure to avoid misdirected payments is implemented by JoMoPay, which displays the full name of the recipient after obtaining their consent in advance, prior to any transfers being sent by mobile wallet users. 

Payee Confirmation

Credit Confirmation

After sending transfers, mobile wallet users can be notified of whether their transfers have been successfully credited to the recipient’s account.

 

Credit Confirmation

Services

fast

Instant Funds Transfer

JoMoPay allows interoperable, instant, and efficient fund transfers between mobile wallet accounts by all providers (inter-PSP transfers), where customers can be businesses with “Business” or “Merchant” wallets or individuals with “Personal” wallets, and to and from all accounts in participating banks on CliQ. Payments can be done between and among all types; individuals can transfer money to businesses rather than using cash for service or product payments as an example, while businesses can transfer salaries directly and instantly to individuals’ wallets without the need for any waiting or processing time. JoMoPay has set different limits for transaction amounts based on the wallet type and transaction type to reduce fraud and money laundry risks.

QR

QR Code Payments

All mobile wallet providers have launched a QR code payment acceptance service for merchants, whereby the merchant issues a QR code on their device that reflects the value of the required amount. The mobile wallet holder scans the QR code through the wallet application, confirms the acceptance of the payment after verifying the amount, and completes the payment process instantly and smoothly. Mobile wallet holders can make instant payments to merchants via QR regardless of whether the merchant is acquired by a bank, a dedicated merchant acquirer, or a Mobile Payment Service Provider (mPSP).
ATM

Cardless Cash-In/ Cash-Out at ATMs

Mobile wallet customers, through collaboration with banks, can make cash withdrawals and deposits through ATMs without a card, using an OTP sent to their wallets to verify the transaction. If mobile wallet users have a payment card, they can use it for cash-out at any ATM in Jordan.
bill

Bill Payments

All mobile payment service providers are integrated with eFAWATEERcom (the Electronic Bill Presentment and Payment System owned by JoPACC). This allows mobile wallet account holders to electronically inquire about their bill values. In addition to inquiring, payments for bills and services can be made through mobile wallet accounts, which provides ease of access and payment to all billers via eFAWATEERcom.

international

Cross-border Remittances

Several mPSPs launched international transfer services through mobile wallets by connecting with exchange houses so that the wallet holder can send and receive money using their wallet in a large number of countries.

Mobile Wallets Offer Other Services, Including:

cards

Payment Cards

Many of the mPSPs operating in the Kingdom enable their users to request the issuance of payment cards directly through their wallets. These cards can be used to make purchases online, at points of sale, and to carry out cash-in/ cash-out transactions at ATMs.
voucher

e-Vouchers

Some mobile wallets in the Kingdom provide their users with the ability to purchase digital cards (also known as e-Vouchers). These cards can be used to access a multitude of services, including gaming, online shopping, telecom, and software, among many others.

* Services and benefits provision varies from one mPSP to another depending on the services they choose to offer 

Fees

In general, there are no fees for opening and closing mobile wallets. Other service fees provided by mobile wallet service providers (mPSPs) vary from one provider to another. You can contact the operating mPSPs in the Kingdom here and inquire about their service fees. 

Agents

To facilitate users' access to mobile wallet services in all geographical locations, mPSPs offer their services through agents, who are licensed shops that provide wallet registration and cash-in/cash-out services to wallet clients. Agents include money exchange houses, mobile shops, and other types of shops, including grocery shops, bookshops, and pharmacies. 

Participating mPSPs on JoMoPay

All mPSPs in Jordan are Participants on JoMoPay

Mobile Wallet Companies' Contact Information

Zain Cash

Zain Cash

1444 for Zain Numbers / 0791444100 For Other Operators
Orange Money

Orange Money

0777700141
UWallet

UWallet

0788001400
Dinarak

Dinarak

0795087460
Alawneh Pay

Alawneh Pay

06-5509292
Gadha

Gadha

06-2005717
Meps National Wallet

Meps National Wallet

06-5002250
Mad Pay

Mad Pay

0791041044

JoMoPay in Numbers

0
2.13
M
Number of Users
0
2.78
M
Number of Transactions
0
323.00
M
Value of Transactions (JOD)

Last Updated: 1/11/2023

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