Sending money from Qatar to Jordan: the payments stack
Sending QAR 730 from Qatar to Jordan cost 3.87% of the amount on average in Q3 2025, across 5 services in the World Bank's Remittance Prices Worldwide survey. Payouts in Jordan typically run over CliQ, JoMoPay; between now and the end of 2027 there are 3 weekdays when banks in Qatar are closed but Jordan keeps paying out, so the payout balance has to be funded before them.
| Average cost to send | 3.87% of QAR 730 (Q3 2025, World Bank RPW) source |
| Money transfer operators | 3.94% across 4 services |
| Banks | 3.62% across 1 services |
| Collect in Qatar | Fawran (Instant Payment System), QA-RTGS, Tahweel, Qatar Mobile Payment (QMP), QPAY (Electronic Payment Gateway) |
| Pay out in Jordan | CliQ, JoMoPay, RTGS-JO, ACH-JO |
What it costs to send QAR 730
The World Bank surveyed 5 services sending from Qatar to Jordan from 17 August 2025 to 24 August 2025. The average total cost, fees plus the FX margin, was 3.87% of the amount sent; money transfer operators averaged 3.94% and banks 3.62%. source
Bank and operator averages are worked out from the survey's provider types.
The send side: Qatar
- The Payment Services Regulation entered into force on 15 September 2021 and requires a QCB licence for e-money issuance, merchant acquisition, domestic money transfer and other payment services with a clear payments nexus. source
- No payment service provider can contract with anyone in or outside Qatar to provide cross-border money transfer unless it holds a QCB exchange house licence; providers licensed for e-money and domestic transfer can let customers remit from e-money accounts through licensed exchange houses or local banks. source
- Licensees that hold customer money (Category I: e-money or merchant acquisition) need capital of QR 2 million, QR 5 million or QR 10 million for fewer than 500,000, 500,000 to 1 million, or more than 1 million transactions a month, or 2% of average outstanding e-money and acquired merchant transactions over the preceding 90 days if higher; licensees that hold no customer money (Category II) need QR 2 million. source
Licences, sponsor banks, collections, ramps and KYC providers: sending from Qatar.
The payout side: Jordan
| Payout partner | What it does in Jordan | Source |
|---|---|---|
| TerraPay · our guide | Its network page lists Jordan (JOD) as a receive market for bank payouts. | source |
| Thunes · our guide | Its Direct Global Network page lists Jordan for payouts to bank accounts. | source |
| dLocal · our guide | Payouts API sends JOD- or USD-funded payouts to Jordanian bank accounts by IBAN and instant wallet transfers by mobile number or alias, with wallets including Dinarak and Orange Money, for B2C, B2B and P2P flows. | source |
| Nium · our guide | Sends foreign-currency wire transfers in USD, EUR, GBP and seven other currencies to all SWIFT-enabled banks in Jordan for B2B, B2P, P2P and P2B flows, processed same day subject to a 07:30 UTC cut-off, and lists Visa Direct card payouts in JOD. | source |
| Orange Money | Orange Jordan's CBJ-licensed e-wallet sends and receives Western Union transfers in its app, in cooperation with Musharbash Exchange, crediting incoming transfers to the wallet. | source |
Licensing, local banks, stablecoin ramps, FX and KYC in Jordan: launching payments in Jordan.
Payout rails in Jordan
| Rail | Operator | What matters for payouts | Source |
|---|---|---|---|
| CliQ | Jordan Payments and Clearing Company (JoPACC) | 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 | Jordan Payments and Clearing Company (JoPACC) | 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 | Central Bank of Jordan | 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 | JoPACC, settled in RTGS-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 |
Holiday gaps to plan for, to December 2027
Weekdays when one side of the corridor is closed. On the 3 dates when Qatar is closed and Jordan is open, the payout balance has to already hold enough to cover them. On the 4 dates when Jordan is closed, instant rails may still pay out.
| Date | Qatar | Jordan | What it means |
|---|---|---|---|
| Fri 18 Dec 2026 | Qatar National Day | Open | Prefund Jordan the day before: no funding from Qatar, payouts continue |
| Fri 25 Dec 2026 | Open | Christmas Day | Jordan banks closed: only always-on rails pay out |
| Fri 1 Jan 2027 | Year-end closing holiday | New Year's Day | Both closed |
| Tue 9 Feb 2027 | National Sport Day | Open | Prefund Jordan the day before: no funding from Qatar, payouts continue |
| Mon 8 Mar 2027 | Bank bridge day or first Eid al-Fitr day (possible) | Open | Prefund Jordan the day before: no funding from Qatar, payouts continue |
| Tue 9 Mar 2027 | Eid al-Fitr holiday for banks | Eid al-Fitr (day 1) | Both closed |
| Wed 10 Mar 2027 | Eid al-Fitr holiday for banks | Eid al-Fitr (day 2) | Both closed |
| Thu 11 Mar 2027 | Eid al-Fitr holiday for banks (possible third day) | Eid al-Fitr (day 3) | Both closed |
| Fri 12 Mar 2027 | Open | Eid al-Fitr (day 4) | Jordan banks closed: only always-on rails pay out |
| Mon 17 May 2027 | Eid al-Adha holiday for banks | Eid al-Adha (day 2) | Both closed |
| Tue 18 May 2027 | Eid al-Adha holiday for banks | Eid al-Adha (day 3) | Both closed |
| Wed 19 May 2027 | Open | Eid al-Adha (day 4) | Jordan banks closed: only always-on rails pay out |
| Tue 25 May 2027 | Open | Independence Day | Jordan banks closed: only always-on rails pay out |
Full calendars: Qatar and Jordan. Size the buffer with the corridor runway calculator.
Funding the corridor
- Working days in Qatar are Sunday to Thursday, with Friday and Saturday as the weekly holiday (Emiri Decision No. 57 of 2025). source
- Official State holidays are National Day on 18 December, Sports Day on the second Tuesday of February, Eid al-Fitr from 28 Ramadan to the end of 4 Shawwal and Eid al-Adha from 9 to the end of 13 Dhu al-Hijjah; these Eid ranges apply to ministries and public bodies, while banks follow Eid dates set by the QCB Governor. source
- 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
Running the corridor
Polynopsis shows every balance on both sides of this corridor in one live position: the collection accounts in Qatar, the payout partners and banks in Jordan and any stablecoin in between. It warns before the Jordan balance runs dry, holidays included. See how it works.
Frequently asked questions
How much does it cost to send money from Qatar to Jordan?
The World Bank's survey put the average total cost of sending QAR 730 at 3.87% in Q3 2025, across 5 services. Money transfer operators averaged 3.94%.
Which rails pay out in Jordan?
Local payouts run over CliQ, JoMoPay, RTGS-JO, ACH-JO.
When do I need to prefund Jordan payouts ahead of holidays?
Between now and December 2027 there are 3 weekdays when Qatar is closed and Jordan is open, the first on Fri 18 Dec 2026. The payout balance has to cover those days before they start.
Related corridors
Sources
- World Bank, Remittance Prices Worldwide dataset · World Bank
- Amiri Decision No. 57 of 2025 on the determination of working days, occasions and official holidays · Lexis Middle East
- Official Gazette publishes Amiri Decision No. 57 of 2025 (Articles 1 to 4) · Al Arab
- Banks Holidays 2026 · Central Bank of Jordan
- Banks Holidays 2025 · Central Bank of Jordan
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