Payment gateways in Jordan:
how to choose in 2026
Cash on delivery, card gateways, CliQ, eFAWATEERcom and instalments, compared for Jordanian stores. Saree3 builds online stores from 500 JOD with payments connected and tested.
There is no single right choice among payment gateways in Jordan. Most stores here combine cash on delivery, one card gateway and CliQ, and add instalments later. Saree3 builds online stores from 500 JOD on Shopify or WooCommerce, and custom stores from 1,200 JOD, with the payment methods connected and tested before launch.
This guide covers Jordan only. It lists the methods a Jordanian merchant can actually use in 2026, what each provider asks for, what to ask about fees, and how each one connects to your store. If you also sell to Saudi Arabia, the UAE or Kuwait, read our guide to payment gateways in the Gulf.
Payment gateways in Jordan at a glance
| Method | How the customer pays | What you need | Good for |
|---|---|---|---|
| Cash on delivery | Cash to the driver or courier | A courier that collects cash and pays you back | Every new store, and first-time buyers |
| Card gateway (HyperPay, PayTabs, Network International, MEPS, MadfooatCom) | Visa or Mastercard on your checkout page | Registered business, business bank account, approved merchant account | Stores that want paid orders before shipping |
| CliQ | Instant transfer from the customer's bank or wallet app to your alias or IBAN | A business account at a bank or wallet connected to CliQ | Repeat customers, high value orders, B2B |
| eFAWATEERcom | Customer pays a bill from a bank app, wallet or payment centre | Biller setup through MadfooatCom | Subscriptions, schools, invoices, recurring bills |
| Buy now, pay later (Valu) | Instalments approved by the finance company | Agreement with Valu or a gateway that offers it | Higher priced items |
Cash on delivery is still the default
Many buyers in Jordan still pay cash at the door, especially on a first order from a store they do not know yet. They want to see the product first. So launch with cash on delivery, then move customers to online payment once they trust you.
Cash on delivery has real costs. The courier charges a delivery fee and often a collection fee, and you wait for the cash to come back to you. Aramex, for example, offers a cash on delivery service where it collects the value of the goods at delivery and pays it back to the shipper on an agreed schedule. Local delivery companies in Amman offer the same. Ask each one for its rate card and its payment cycle in writing, because these change.
Two things reduce refused deliveries: confirm each order by phone or WhatsApp before you ship, and show the delivery fee clearly before checkout.
Card payment gateways that serve Jordanian merchants
A card gateway lets the customer pay by Visa or Mastercard on your site. The money goes through an acquiring bank and is settled to your business account. These providers state on their own sites that they serve merchants in Jordan:
- HyperPay lists an office in Amman at King Hussein Business Park and says merchants can accept payments in local currency through local acquiring banks in Jordan.
- PayTabs has a Jordan page offering online payments, payment links you can send on WhatsApp or Instagram, invoices and recurring billing. It connects by API, mobile SDK, shopping cart plugins or an embedded payment form. Its PayTabs Jordan app is listed as free in the Shopify App Store.
- Network International offers its N-Genius Online gateway, and its WooCommerce extension lists Jordan among supported countries. You need a separate merchant account with Network International.
- MEPS (Middle East Payment Services) serves e-commerce merchants in Jordan and added Click to Pay through Mastercard Gateway in January 2026.
- MadfooatCom, the Jordanian company behind eFAWATEERcom, also runs a payment gateway for accepting card payments online.
Many Jordanian banks offer online card acceptance through one of these providers or their own setup. Ask your bank which gateway it works with before you choose, because the bank often decides how fast your account is approved.
Two names you will see in tutorials do not work here. Stripe does not list Jordan among its supported countries, and Shopify Payments is not available for stores based in Jordan. On Shopify you use a third-party provider instead.
CliQ: instant bank transfers
CliQ is Jordan's instant payment system. It is owned and operated by JoPACC (Jordan Payments and Clearing Company) under the supervision of the Central Bank of Jordan, and it launched in June 2020. Customers send money from their bank or wallet app to an alias or an IBAN, and it arrives in seconds. In 2025 CliQ handled 167.92 million transactions worth 19.97 billion JOD, according to JoPACC's 2025 payments report.
For a store, CliQ usually starts as a manual method: the checkout shows your business alias, the customer pays, and you confirm the payment before you ship. Some banks offer request to pay and merchant QR codes, which make it faster. Ask your bank what it supports for business accounts.
Use a business account, not a personal one. Since 1 October 2025, CliQ transfers on merchant and business accounts carry a fixed fee per amount band, set by each bank or wallet, while transfers between individuals stay free. The Central Bank monitors these fees and the use of personal accounts for business.
eFAWATEERcom and MadfooatCom
eFAWATEERcom is the national electronic bill presentment and payment system. JoPACC owns it and MadfooatCom operates it. Customers pay through bank apps, online banking, wallets, ATMs and payment centres, without a credit card. In 2025 it processed 75.43 million transactions.
It suits businesses that bill people again and again: subscriptions, courses, clubs, schools, maintenance contracts and B2B invoices. Royal Jordanian, for example, added eFAWATEERcom as a payment option on its website for customers in Jordan. To join as a biller, contact MadfooatCom. Fees are not published, so ask for them in writing.
Buy now, pay later in Jordan
Tabby and Tamara are common in Gulf stores, but their websites list Gulf markets only and do not mention Jordan as of October 2026. Do not plan your checkout around them for Jordanian customers.
Valu is the option that does operate here. It received final approval from the Central Bank of Jordan under a specialized finance licence and began operating in Jordan in the first week of May 2026. In June 2026 Valu Jordan signed with MEPS and PayTabs, so merchants on the PayTabs platform can add Valu at online checkout. If you sell items above a few hundred dinars, ask your gateway about it.
What a merchant needs before applying
Each provider sets its own list, so confirm it before you apply. These are the items gateways commonly ask for:
- A registered business: an individual establishment or a company, with its commercial registration certificate.
- A vocational licence where your activity needs one.
- A bank account in the business name, at a bank the gateway works with.
- ID for the owner or authorised signatory.
- A live website with prices in JOD, product descriptions, contact details, delivery terms, a return and refund policy, a privacy policy and terms of use.
- An SSL certificate, so the site loads over https.
If you have not registered the business yet, start with our step by step guide to opening an online store in Jordan.
Fees and settlement: what to ask
The gateway pages we checked do not publish a full rate card for Jordan. Rates depend on your sales volume, your sector and your bank. Get a written offer that answers each of these:
| Item | What to ask the provider |
|---|---|
| Setup fee | Is there a one-time activation or integration fee? |
| Monthly or yearly fee | Is there a fixed fee even in months with no sales? |
| Rate per transaction | What percentage per card payment, and is there a fixed amount per transaction too? |
| Local vs international cards | Is the rate different for cards issued outside Jordan? |
| Settlement period | How many days until the money reaches my bank account, and in which currency? |
| Refunds | Is there a fee to refund a customer, and is the original fee returned? |
| Chargebacks | What is the fee for a disputed payment, and what proof do you need from me? |
| Reserve or minimum | Do you hold back part of my sales, or charge a monthly minimum? |
Compare offers on the total cost of a typical month, not on the headline percentage. A low rate with a high monthly fee can cost more for a small store.
How integration works on Shopify, WooCommerce and custom stores
Shopify
Shopify Payments is not available in Jordan, so you install a provider app such as PayTabs Jordan from the Shopify App Store and enter the keys from your merchant account. Cash on delivery and CliQ go in as manual payment methods with clear instructions.
WooCommerce
You install the provider's plugin, for example the N-Genius extension, and add your merchant keys. Check that the plugin is maintained and works with your WooCommerce version before you rely on it. Cash on delivery is built in.
Custom stores
A custom store connects to the gateway's API, usually through a hosted payment page or an embedded form, so card numbers never touch your server. The gateway then confirms each payment to your server, and only then is the order marked paid. This is also where CliQ request to pay or eFAWATEERcom can be connected if your provider supports it.
Whatever the platform, test in the provider's test mode first, then run one small real payment and one refund before launch. Our e-commerce service includes this setup and testing.
Which setup fits which store
| Store | Start with | Add later |
|---|---|---|
| New store, under 100 orders a month | Cash on delivery and CliQ to a business account | A card gateway once orders are steady |
| Fashion, beauty or electronics with repeat buyers | Cash on delivery and a card gateway | Valu instalments for higher priced items |
| Subscriptions, courses, school or club fees | eFAWATEERcom or a card gateway with recurring billing | CliQ request to pay, if your bank offers it |
| B2B supplier selling to shops | CliQ and bank transfer against an invoice | A card gateway for small accounts |
Start simple, watch which method your customers pick, and add the next one when the numbers justify the fees.
Frequently asked questions
Need payments connected to your store?
Tell us your products and your bank, and we will send a written proposal with scope, schedule and price within one business day.