Prefunding JOD payouts in Jordan
Prefunding payouts in Jordan means holding JOD with a payout partner or a local settlement account before transfers are paid, so recipients are paid without waiting for funds to arrive. Payouts run over CliQ and JoMoPay. There are 10 weekday bank closures in Jordan in the next 12 months to fund around. The rules and timings below are the ones that decide how much to hold and when to top up.
Funding rules and timing in Jordan
- Jordanian banks work Sunday to Thursday, 08:00 to 15:30 local time, so Friday and Saturday are non-banking days; the CBJ's 2026 list includes Eid al-Adha (five days from 26 May) and Independence Day (25 May), with Islamic holiday dates marked as approximate. source
- From 4 January 2026 RTGS-JO accepts interbank transfers from 08:30 to 16:00, and the CliQ and JoMoPay clearing sessions close at 09:00, 13:00 and 15:15, with a commission session at 15:25. source
- CliQ runs 24/7 with a maximum of JOD 10,000 per transaction, and participating banks can set lower or daily limits. source
- When paying inbound cross-border transfers through CliQ, direct participants manage financial guarantees and carry out financial settlement with the originating entities or intermediaries under their bilateral agreements, outside the CliQ system. source
- For the 2026 Independence Day and Eid al-Adha holiday the CBJ opened RTGS-JO for one working day, Thursday 28 May 2026, with a 13:00 to 15:00 session to settle clearing files from POS, ATM and CliQ, in Jordanian dinars only. source
The rails that spend the prefund
| Rail | What matters for payouts | Source |
|---|---|---|
| CliQ | Instant transfers in Jordanian dinars inside Jordan, between bank accounts and between bank accounts and mobile wallets, addressed by alias, mobile number or email; every bank in Jordan except Al Rafidain Bank is connected. | source |
| JoMoPay | Mobile payment switch launched in 2014 for transfers between licensed e-wallets; its 2021 upgrade to ISO 20022 enabled instant transfers between wallets and bank accounts. | source |
| RTGS-JO | Real-time gross settlement in central bank money, with overdrafts prohibited, that also settles the net clearing positions of ACH, eFAWATEERcom, JoMoPay and the card switches. Participation is compulsory for all licensed banks. | source |
| ACH-JO | From 4 January 2026 the automated clearing house runs three sessions closing at 10:30, 13:00 and 15:30, while the RTGS-JO exchange period runs 08:30 to 16:00 and the liquidity period 16:00 to 16:30. | source |
Where the prefund sits
Money for Jordan payouts is usually held with one or more of these, each a balance to watch. The full shortlist, with sources, is on the Jordan payments stack page.
| Payout partners | TerraPay, Thunes, dLocal, Nium, Orange Money |
| Local banking and settlement accounts | Jordan Ahli Bank, Bank al Etihad, Housing Bank |
Bank closures to fund around
Weekdays in the next 12 months when banks in Jordan are closed. Top up before each one.
| Date | Holiday | Status |
|---|---|---|
| Fri 25 Dec 2026 | Christmas Day | confirmed |
| Fri 1 Jan 2027 | New Year's Day | expected |
| Tue 9 Mar 2027 | Eid al-Fitr (day 1) | expected |
| Wed 10 Mar 2027 | Eid al-Fitr (day 2) | expected |
| Thu 11 Mar 2027 | Eid al-Fitr (day 3) | expected |
| Fri 12 Mar 2027 | Eid al-Fitr (day 4) | expected |
| Mon 17 May 2027 | Eid al-Adha (day 2) | expected |
| Tue 18 May 2027 | Eid al-Adha (day 3) | expected |
| Wed 19 May 2027 | Eid al-Adha (day 4) | expected |
| Tue 25 May 2027 | Independence Day | expected |
Full list and notes: Jordan bank holidays.
Corridors into Jordan
| Corridor | Average cost to send | Period |
|---|---|---|
| Qatar to Jordan | 3.87% | Q3 2025 |
| Saudi Arabia to Jordan | 7.03% | Q3 2025 |
| UAE to Jordan | 5.16% | Q3 2025 |
| United States to Jordan | 5.26% | Q3 2025 |
Costs are World Bank Remittance Prices Worldwide averages for sending the equivalent of US$200.
Size the prefund
Hold enough JOD to cover payouts for your lead time plus every closure in that window, then top up when runway drops below target. The corridor runway calculator does the arithmetic; the glossary explains prefunding, corridor runway and liquidity buffers.
Where Polynopsis fits
Polynopsis shows the JOD balance at every partner and account that funds Jordan payouts, next to the payouts expected against it and the top-ups already in flight, and warns before the corridor runs dry, including ahead of Jordan bank holidays.
Know where all your money is.
Polynopsis gives cross-border payment teams one live position across every bank, payout partner, exchange and wallet, including money in flight, and warns before a corridor runs dry.
About Polynopsis
Polynopsis is liquidity management software for cross-border payment companies. The name joins poly, many, and synopsis, a seeing together: one live view of money spread across many banks, payout partners, exchanges and stablecoin wallets, including money in flight, with a warning before any corridor runs dry.
Why it is called Polynopsis · About Polynopsis · Glossary · Corridor runway calculator