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. Participants of the system include Mobile Payment Service Providers (mPSPs) and a number of banks that provide the service to their clients. The JoMoPay system was officially launched on April 1, 2014, as a result of the radical change that occurred in mobile payment services in terms of storing or keeping small financial values ​​and transferring them to others to meet the financial requirements. The system hugely 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 accountsThe 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, including bill payments, transfers from one person to another, and direct payment for purchases. This would reduce 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 the mobile phone number, where the mobile wallet account number is the mobile phone number. Each individual residing in Jordan is allowed to open a maximum of two wallets, with each wallet registered to a different mobile phone number. Mobile wallets are characterized by their low cost and the absence of fees for opening and closing them and for leaving them without a balance.

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.


JoMoPay Participants

There are currently seven mobile payment service providers: UWallet, Aya, Dinarak, Zain Cash, National Wallet, Orange Money and Gadha. The following banks further provide the wallet service to their clients: Bank al Etihad, Arab Bank, Cairo Amman Bank, Housing Bank, Bank of Jordan, Jordan Islamic Bank, and Jordan Commercial Bank.

JoMoPay Services

Fund transfer through mobile wallets

JoMoPay allows interoperable, instant, and efficient fund transfer between customers with e-wallet accounts by different providers (inter-PSP transfers), where customers can be businesses with “Business” or “Merchant” wallets or individuals with “Personal” wallets. 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 limit thresholds for transfer transactions’ amounts based on the wallet and transaction type to reduce fraud or money laundry risks.

Payment through Point of Sales (POS) devices using Near Field Communication (NFC) Technology

In order to facilitate payment operations for citizens and collect revenues owed to institutions in public and private sectors at the lowest cost with immediate transfer speeds and high efficiency, and in order to progress from a paper-based society to a cashless society; the Central Bank of Jordan has worked towards making mobile electronic payments available through the use of NFC technology.

This service is provided through POS for merchants, government, and private institutions,in addition to means of public transportation that serves citizens across the Kingdom.This service was enabled to facilitate the mobile payment operations after the Central Bank of Jordan imposed the NFC standard for the implementation of this technology.

ATM Cash-Out Operations

Cash-out through the ATM is a basic function that provides liquidity on a daily basis to banked customers. Based on the Central Bank of Jordan’s vision regarding the diversity in payment channels in the Kingdom to fulfill the citizens’ needs at any time and any place, and in order to receive cash-out services by those who have bank accounts or those who don’t have banking accounts and use their e-wallets, the Central Bank of Jordan developed this service by connecting all ATMs with a mobile payment system directly or through the JoNet network – a local network that manages and connects all ATMs in Jordan. This service allows users to conduct cash-out operations from their e-wallet accounts from any ATM machine within the widely-spread ATM network all over the Kingdom.

Connection with Electronic Bill Presentment and Payment System (eFAWATEERcom)

Connecting JoMoPay with eFAWATEERcom aims at allowing citizens to electronically inquire about their bill values, along with other inquiry options using their e-wallet accounts. 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 this connection.

QR Code Payments

All mobile wallet providers have launched a QR code payment service at 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.

Cross-border Remittances

Several mPSPs launched the international transfer service through the wallet 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 more information and contact details

JoPACC publishes monthly reports on JoMoPay that give insights on the total number of registered wallets, and the nature of users by age, gender, and nationality. The reports further provide information on the total monthly number and value of transactions as well as the number and value of transactions by transaction type. In addition, the reports cover the total number of mobile wallet agents and of merchants accepting mobile payments. Monthly JoMoPay reports can be found here.

System support email address:

System support call center: 06-4011014   


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