CliQ is Jordan’s official interbank instant payment system, operated by the Central Bank of Jordan, that allows real-time JOD transfers between all participating Jordanian banks using a mobile phone number or a personalized alias — available 24 hours a day, 7 days a week, with no transfer fees for most banks.
Launched in 2020 under the Central Bank of Jordan’s national financial inclusion strategy, CliQ transformed how Jordanians move money. Before CliQ, sending money between banks required waiting 1–3 business days for traditional bank transfers. With CliQ, the money moves in seconds. vexjo uses CliQ as the payment rail for all JOD transactions — when you buy USDT, you pay via CliQ; when you sell USDT, you receive JOD via CliQ.
Who Operates CliQ?
CliQ is operated by JoPACC (Jordan Payments and Clearing Company), a joint initiative of Jordanian banks under the oversight of the Central Bank of Jordan. JoPACC manages the real-time interbank infrastructure that makes instant transfers possible.
The Central Bank of Jordan mandated CliQ as part of its national payment digitization strategy, aiming to reduce cash transactions and improve financial inclusion. As of 2025, all licensed Jordanian banks and many digital wallets participate in the CliQ network.
How Does CliQ Work?
CliQ works by linking your Jordanian bank account to an identifier that others can send money to. Instead of sharing your 20-digit IBAN every time, you share either:
- Your mobile number — your Jordanian mobile number registered with your bank
- A CliQ alias — a short, memorable identifier you set (e.g.,
@yournameor@yourbusiness)
When someone wants to send you money, they enter your CliQ alias or mobile number in their bank’s app. The system identifies your bank and account, and transfers the funds instantly. You do not need to share your account number or IBAN.
The Technical Flow (Simplified)
- Sender opens their bank’s mobile app and initiates a CliQ transfer
- They enter the recipient’s phone number or CliQ alias
- The system queries JoPACC’s directory to identify the recipient’s bank
- The JoPACC infrastructure routes the transfer instruction
- Both banks update their ledgers in real time
- Transfer complete — typically in under 5 seconds
Which Banks Support CliQ?
As of 2026, virtually all licensed banks in Jordan support CliQ, including:
- Arab Bank
- Jordan Ahli Bank
- Housing Bank for Trade and Finance
- Cairo Amman Bank
- Bank al Etihad
- Capital Bank
- Islamic International Arab Bank
- Jordan Islamic Bank
- Arab Jordan Investment Bank
- Jordan Kuwait Bank
- Societe Generale de Banque - Jordanie
- Arab Banking Corporation (ABC)
- Citibank Jordan
- HSBC Jordan
Additionally, several digital payment wallets in Jordan support CliQ integration, allowing transfers between bank accounts and digital wallets.
If you are unsure whether your bank supports CliQ, check your bank’s mobile app — look for a “CliQ Transfer” or “Instant Transfer” option in the payments section.
How to Set Up CliQ
Setting up CliQ requires no separate registration — it is built into your bank’s mobile app. Here is the general process:
Setting Up Your CliQ Alias
- Open your bank’s mobile app (e.g., Arab Bank, Housing Bank)
- Navigate to CliQ or Instant Payments
- Select Register CliQ Alias
- Choose a unique alias (letters and numbers, no spaces) — this is what others will use to send you money
- Confirm via OTP sent to your registered mobile number
Your alias is linked to your bank account. You can have multiple bank accounts linked to different aliases, or use your mobile number as the identifier directly.
Making a CliQ Transfer
- Open your bank’s app
- Navigate to Transfer → CliQ Transfer
- Enter the recipient’s mobile number or CliQ alias
- Verify the recipient’s name is displayed (the system shows this before you confirm)
- Enter the amount in JOD
- Confirm with your PIN or biometric authentication
- Done — the transfer is complete immediately
CliQ Limits and Fees
Transfer limits: Most banks allow up to 5,000 JOD per single CliQ transaction and up to 20,000 JOD per day, though limits vary by bank and account type. Business accounts often have higher limits. Check with your bank for your specific limits.
Fees: CliQ transfers are free for individuals at most Jordanian banks. Some banks may charge a nominal fee for business accounts. There are no fees charged by JoPACC for individual transactions.
Availability: CliQ operates 24/7, including weekends and public holidays. This is a major advantage over traditional bank transfers, which only process on banking days.
How vexjo Uses CliQ
vexjo integrates CliQ as the JOD payment method for all buy and sell USDT orders:
When you buy USDT:
- vexjo assigns you an operator CliQ alias (e.g.,
@vexjo) - You send the exact JOD amount to that alias from your bank’s app
- vexjo receives the payment and confirms your order
- USDT is sent to your BEP20 wallet
When you sell USDT:
- You enter your CliQ alias or phone number on your vexjo profile
- After your USDT is verified on-chain, vexjo sends JOD to your CliQ
- You receive JOD in your bank account instantly
vexjo operates multiple CliQ accounts across different banks. This is intentional — it distributes incoming transfers to avoid daily limit constraints and provides redundancy. If one CliQ account is temporarily unavailable, the system routes to another.
Is CliQ Safe?
Yes. CliQ is a regulated payment system operated under the Central Bank of Jordan’s oversight. Several safety features protect users:
Recipient verification: Before confirming a CliQ transfer, your bank app shows the registered account holder’s name. If the name does not match who you intend to pay, you can cancel before confirming.
OTP authentication: Most CliQ transfers require OTP confirmation, adding a second layer of authentication.
Irrevocability: Once a CliQ transfer is confirmed, it is final and cannot be reversed. This protects recipients but means you must verify the recipient details carefully before sending.
Regulatory oversight: JoPACC operates under Central Bank of Jordan regulations, which include consumer protection requirements.
CliQ vs. Other Payment Methods in Jordan
| Method | Speed | Availability | Fees | JOD-native |
|---|---|---|---|---|
| CliQ | Instant | 24/7 | Free | Yes |
| Traditional bank transfer | 1–3 days | Business hours | Often free | Yes |
| International wire (SWIFT) | 1–5 days | Business hours | $15–$50 | No (USD/EUR) |
| Cash | Instant | Any time | None | Yes |
| International remittance | Minutes | 24/7 | 2–5% | Yes |
For any payment that stays within Jordan, CliQ is the fastest and cheapest option available.
The Broader Impact of CliQ on Jordan’s Economy
CliQ has been a significant driver of Jordan’s digital payment transformation. Key outcomes since launch include:
- Rapid reduction in check usage for small business payments
- Growth of e-commerce and digital payment acceptance among SMEs
- Increased remittance capture within the Jordanian banking system (remittances that previously circulated as cash are now moving through CliQ)
- Enablement of fintech platforms (like vexjo) that build on CliQ as an infrastructure layer
The Central Bank of Jordan has continued to expand CliQ’s capabilities, including bulk payment support for payroll and bill payments, and plans for cross-border interoperability with neighboring Arab countries’ instant payment systems.
CliQ is Jordan’s most important financial infrastructure innovation in the past decade. For anyone buying or selling USDT in Jordan, understanding CliQ is essential — it is the bridge between your Jordanian bank account and the global digital currency ecosystem. vexjo is built on this bridge, making it possible to move between JOD and USDT in minutes rather than days.