JoMoPay - Mobile Payment Switch

Launch Date: April 2014 System Participants: Mobile Payment Service Provider (mPSPs) and Banks Key Service: Instant payments through mobile wallets

JoMoPay is an electronic system that provides 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. Participants of the system are Mobile Payment Service Providers (mPSPs). The JoMoPay system was officially launched on the 1st of April, 2014, as a result of radical changes that occurred in mobile payment services in terms of storing or keeping small financial values ​​and transferring them to others to meet their financial needs. The system largely benefits population segments who are financially excluded because of their geographical location and the lack of availability of banking networks in their areas or the limitation of low funds, which hinders them from opening and sustaining bank accounts. The operational framework for the mobile payment service can be found here.

JoMoPay provides a new and secure means of instant electronic payment via the mobile wallet. It enables users to use their mobile phones to transfer small-value payments, pay bills, and instantly transfer to mobile wallets and banks accounts, in addition to making direct payments for purchases. This reduces the need for users to deal with cash and minimizes its risks.  The mobile wallet is an electronic financial account accessed through an application on smartphones and is linked to a unique account number. Each individual residing in Jordan is allowed to open a maximum of two wallets, with each wallet registered using a different account number. Mobile wallets are characterized by their low cost and the absence of fees for opening and closing them, as well as the lack of minimum balance fees.

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. Agents are spread across the Kingdom in cities and villages, which encourages individuals to adopt mobile wallets given the accessibility to their services. To maximize access, JoPACC worked with some national institutions to activate their role as agents, one of which is the Jordan Post Company that began providing agent services in a number of its branches in the Kingdom. In addition, several banks have extended card-free cash-in/cash-out services to mobile wallet users through their ATM network.

In December 2021, JoMoPay has been 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. Mobile wallet users can make instant transfers to bank account users using JoMoPay, and bank account users can make instant transfers to mobile wallets using CliQ. In other words, clients of all banks participating on CliQ and of all mobile wallet providers in Jordan can make instant transfers among each other in an interoperable manner. Moreover, mobile wallet users can now benefit from using aliases as user identifiers, payee confirmation before completing transfers, and credit confirmation to inform the sender of the successful delivery of the transfer. Mobile wallet users will continue to benefit from cardless cash-in and cash-out services accessible through ATMs, which have also been upgraded in line with the ISO 20022 standard. Besides the expanded transfer features and services, both bank and mobile wallet clients can make instant payments to merchants. Using their mobile applications, they can directly scan QR codes generated on new point-of-sale devices that are penetrating the market to complete payment for goods and services instantly, seamlessly, and safely.

JoMoPay Participants

There are currently eight mobile payment service providers: UWallet, Aya, Dinarak, Zain Cash, National Wallet, Orange Money, Gadha, and Mared. 

JoMoPay Services

Instant Fund transfer through mobile wallets

JoMoPay allows interoperable, instant, and efficient fund transfer 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 bank accounts offered by banks participating 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 to the individuals’ wallets without the need to hand out cash. JoMoPay has set different limits for transfer transactions’ amounts based on the wallet type and transaction type to reduce fraud and money laundry risks.

Payment through Point of Sales (POS) devices 

A payment card can be issued accompanying the mobile wallet and used to pay at Point of Sale (POS) devices in shops, government and private institutions, which encourages individuals to complete payments electronically and reduce dependence on cash.

ATM Cash-In/ Cash-Out

Mobile wallet customers can make cash withdrawals and deposits through ATMs of all banks using the mobile wallet's companion card. Four banks also provide cardless cash-in/ cash-out services to customers of all wallets through their ATMs, which are Jordan Kuwait Bank, Arab Bank, Cairo Amman Bank, and Housing Bank. ATM locations and those closest to you can be found through this map.

Connecting mPSPs with the Electronic Bill Presentment and Payment System (eFAWATEERcom)

All mobile payment service providers are integrated with eFAWATEERcom. This allows mobile wallet account holders to electronically inquire about their bill values, along with other inquiry options using their mobile wallets. In addition to inquiring, payments to billers can be made through the e-wallet accounts, which provides ease of access and payment to all billers via eFAWATEERcom.

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 mPSP.

Cross-border Remittances

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

For inquiries about registered mobile wallets

System support call center: 06-4011014   

Through Mahafezna page on Facebook: https://www.facebook.com/Mahafezna

Inquiries through WhatsApp: click here

For more information and contact details

System support call center: 06-4011014   

System support email address: support@jopacc.com

Mobile Money Agent Locations Map

Merchants accepting QR Payments Locations Map

ATM locations offering cardless Cash-in/Cash-out 

Mobile Wallet Gateway

JoMoPay Monthly Reports

Disclaimer: Information on the ATM, agent, and merchant locations in google maps are provided by banks and mPSPs, who are responsible for the accuracy of the data provided.