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Frequently Asked Questions (FAQ)



What is JoPACC?

Jordan Payments & Clearing Company (JoPACC) is a Private Company Limited by shares, based in Amman – Jordan. In February 2015, the World Bank advised the Central Bank of Jordan to upgrade the legal framework around the management and operations of the payment systems to enhance the governance, and to segregate between the operations and the oversight in order to position itself in the payments value chain as a regulator and overseer along with a facilitator and catalyst of change. Their recommendations covered as well the role of the National Payments Council as only an advisory and consultative body; while the operations and developments of the payment systems to be migrated to an autonomous entity (JoPACC) that consists of the CBJ and banks while allowing for future non-banks membership and shareholding when the CBJ decides to divest its share and exit the market.

Who owns JoPACC?

The Central Bank of Jordan (CBJ) along with the 25 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.

What services does JoPACC offer?

JoPACC owns and manages the following systems:

Who are the members of the Board of Directors at JoPACC?


JoMoPay FAQ:

What is JoMoPay?

JoMoPay stands for (Jordan Mobile Payment), and it is an electronic system operated and oversaw by Jordan Payments & Clearing Company (JoPACC), 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 Real Time Gross Settlement system (RTGS).

What services does JoMoPay offer?

Who can create an e-wallet?

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.

Are there any transaction limits on JoMoPay services?

Yes, there are transaction limits set by the Central Bank of Jordan for each transaction as below:

- 1000 JODs per transaction Deposit
500 JODs per transaction with a monthly limit of 5,000 JODs 

From shops and agents 1000 JODs/transaction

From ATM network 500 JODs/transaction
500 JODs per transaction with a monthly limit of 2,000 JODs 1000 JODs per transaction Purchase
- 500 JODs from person to person Money Transfer
- 1000 JODs per transaction Bill Payments
1000 JODs per day 1000 JODs per day Online Shopping


How many e-wallets can I create?

Using your National ID, you have the right to create one e-wallet from any of the Payment Service Providers (PSPs) available in the market. Using your mobile number, you have the right to create two e-wallets simultaneously from any of the available PSPs.

Do I need a bank account to access JoMoPay services?

No, a bank account is not needed to create an e-wallet and benefit from the services JoMoPay provides.

Is there a fee for opening an e-wallet?

No, there is no fee or minimum deposit amount needed to open an e-wallet.

I don’t have a Smart Phone; can I still benefit from JoMoPay services?

Yes, you can access JoMoPay services and benefit from them using the USSD messages technology that JoMoPay facilitates using any traditional mobile phone subscribed to a Jordanian mobile network operator.

What should I do if my mobile phone is lost or stolen?

Please contact your Payment Service Provider (PSP) to freeze your account. You can also freeze your account through the agent that opened your e-wallet.



What is eFAWATEERcom?

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.

What are the benefits of eFAWATEERcom?

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.

How can I create an account on eFAWATEERcom?

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.

What are the available payment channels through eFAWATEERcom?

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

When can I use eFAWATEERcom services?

The system is available 24*7*365; which allows you to present and pay your bills at your convenience, even on holidays and weekends.

Do I need the actual paper bill to pay for it?

No, eFAWATEERcom allows you to present and pay your bills online without the need for traditional paper bills.

Are my payments safe?

Yes, eFAWATEERcom adheres to strict compliance and security standards set by the Central Bank of Jordan.

Can I pay my bills using eFAWATEERcom if I am outside of Jordan?

Yes, bills can be paid through eFAWATEERcom mobile application, website, or through your bank’s mobile application and website from anywhere in the world.

What types of bills and payments can I pay through eFAWATEERcom?

The system allows you to present and pay all types of payments, either Governmental or non-Governmental; such as taxes, customs fees, violation tickets, and utility services bills; such as electricity, water, prepaid mobile plan renewals or monthly subscription bills. You can also pay for your university or school tuitions, insurance fees, association membership fees, traveling tickets, voluntary social security subscription fees, any e-commerce payments, and many more. The only requirement is that the service provider is an eFAWATEERcom biller.