Connecting CliQ to Your Online Store in Jordan

CliQ is Jordan's instant payment service, operated by JoPACC under the Central Bank of Jordan, and it lets customers send money from their bank or wallet app in seconds using a simple alias such as a phone number. For an online store, CliQ can be accepted in two ways: manually, by showing your alias and confirming each transfer, or through an integration offered by your bank or payment provider that confirms the payment automatically.

Key takeaways

• Many Jordanian shoppers already use CliQ, so offering it can reduce cash on delivery.
• The manual method works for small stores but needs careful checking of every transfer.
• Automatic confirmation depends on what your bank or payment provider offers. Ask them directly.
• Keep cards and cash on delivery as options; different customers prefer different methods.

How CliQ works for the customer

The customer opens their banking or wallet app, chooses CliQ, enters the receiver's alias or account details and the amount, and confirms. The money usually arrives within seconds, at any time of day. Because it is fast and familiar, it suits shoppers who do not want to enter card details online.

Option 1: manual CliQ payments

Many small stores start here. At checkout the customer selects "CliQ", sees your alias and the exact amount, sends the transfer and the order waits in a "pending payment" state.

• Use a unique reference such as the order number in the transfer note, so you can match payments.
• Confirm in your bank app, not from a screenshot. Screenshots can be edited.
• Set a time limit for pending orders and send a reminder message.

This works, but it takes staff time and slows delivery when orders grow.

Option 2: integrated confirmation

Some banks and payment providers in Jordan offer ways for merchants to receive CliQ payments with automatic notification, for example through payment requests or QR codes. When such a service is available to you, we connect it to the store so the order is marked as paid automatically and the customer gets an instant confirmation. Availability and terms vary by provider, so start by asking your bank which merchant CliQ services it supports. Local integrations like this are one of the places where a custom store has an edge over off-the-shelf platforms.

Refunds and records

Write a clear refund policy for CliQ orders: how long a refund takes and which account receives it. Keep the transfer reference with each order, both for customer service and for your accounting and e-invoicing. If your business issues invoices through the national JoFotara system, make sure CliQ orders are invoiced like any other sale.

Common mistakes

• Shipping orders based on a screenshot of a transfer.
• Showing a personal account instead of a business account.
• Removing cash on delivery too early, before customers trust online payment.
• Not explaining the CliQ steps on the checkout page.

Frequently asked questions

Can CliQ replace card payments?

For many local customers it can be the preferred option, but tourists, expatriates and customers abroad usually need cards. Offer both.

Does CliQ work for customers outside Jordan?

CliQ is a local Jordanian service, so it is meant for customers with Jordanian bank accounts or wallets.

Next step

For more on selling online in the region, see our e-commerce guide for Jordan and Saudi Arabia. To build a store with the payment options your customers use, see our e-commerce service in Amman or contact us.