Sending money from the United States to Jordan: the payments stack
Sending USD 200 from the United States to Jordan cost 5.26% of the amount on average in Q3 2025, across 20 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 10 weekdays when banks in the United States are closed but Jordan keeps paying out, so the payout balance has to be funded before them.
| Average cost to send | 5.26% of USD 200 (Q3 2025, World Bank RPW) source |
| Money transfer operators | 5.26% across 20 services |
| Collect in United States | FedNow Service, FedNow network limit, RTP network, Fedwire Funds Service, FedACH and Same Day ACH, Same Day ACH limit |
| Pay out in Jordan | CliQ, JoMoPay, RTGS-JO, ACH-JO |
What it costs to send USD 200
The World Bank surveyed 20 services sending from the United States to Jordan from 13 August 2025 to 20 August 2025. The average total cost, fees plus the FX margin, was 5.26% of the amount sent; money transfer operators averaged 5.26%. source
Bank and operator averages are worked out from the survey's provider types.
The send side: the United States
- With few exceptions, each money services business must register with the US Treasury through FinCEN by filing FinCEN Form 107 within 180 days of being established, and must renew the registration every two years; a business that is an MSB only because it acts as agent of another MSB does not register. source
- Money transmission is also licensed state by state. As of September 2026, 31 states have enacted the CSBS Money Transmission Modernization Act in full or in part, and money transmitters licensed in at least one adopting state account for 99% of reported money transmission activity. source
- The Money Transmission Modernization Act sets a minimum tangible net worth of the greater of US$100,000 or 3% of total assets for the first US$100 million, 2% of assets from US$100 million to US$1 billion and 0.5% of assets above US$1 billion, and encourages states to run licensing, surety bonds and reporting through NMLS. source
Licences, sponsor banks, collections, ramps and KYC providers: sending from the United States.
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 10 dates when the United States is closed and Jordan is open, the payout balance has to already hold enough to cover them. On the 8 dates when Jordan is closed, instant rails may still pay out.
| Date | United States | Jordan | What it means |
|---|---|---|---|
| Wed 11 Nov 2026 | Veterans Day | Open | Prefund Jordan the day before: no funding from the United States, payouts continue |
| Thu 26 Nov 2026 | Thanksgiving Day | Open | Prefund Jordan the day before: no funding from the United States, payouts continue |
| Fri 25 Dec 2026 | Christmas Day | Christmas Day | Both closed |
| Fri 1 Jan 2027 | New Year's Day | New Year's Day | Both closed |
| Mon 18 Jan 2027 | Martin Luther King Jr. Day | Open | Prefund Jordan the day before: no funding from the United States, payouts continue |
| Mon 15 Feb 2027 | Washington's Birthday (Presidents Day) | Open | Prefund Jordan the day before: no funding from the United States, payouts continue |
| Tue 9 Mar 2027 | Open | Eid al-Fitr (day 1) | Jordan banks closed: only always-on rails pay out |
| Wed 10 Mar 2027 | Open | Eid al-Fitr (day 2) | Jordan banks closed: only always-on rails pay out |
| Thu 11 Mar 2027 | Open | Eid al-Fitr (day 3) | Jordan banks closed: only always-on rails pay out |
| Fri 12 Mar 2027 | Open | Eid al-Fitr (day 4) | Jordan banks closed: only always-on rails pay out |
| Mon 17 May 2027 | Open | Eid al-Adha (day 2) | Jordan banks closed: only always-on rails pay out |
| Tue 18 May 2027 | Open | Eid al-Adha (day 3) | Jordan banks closed: only always-on rails pay out |
| 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 |
| Mon 31 May 2027 | Memorial Day | Open | Prefund Jordan the day before: no funding from the United States, payouts continue |
| Mon 5 Jul 2027 | Independence Day (observed) | Open | Prefund Jordan the day before: no funding from the United States, payouts continue |
| Mon 6 Sep 2027 | Labor Day | Open | Prefund Jordan the day before: no funding from the United States, payouts continue |
| Mon 11 Oct 2027 | Columbus Day | Open | Prefund Jordan the day before: no funding from the United States, payouts continue |
| Thu 11 Nov 2027 | Veterans Day | Open | Prefund Jordan the day before: no funding from the United States, payouts continue |
| Thu 25 Nov 2027 | Thanksgiving Day | Open | Prefund Jordan the day before: no funding from the United States, payouts continue |
Full calendars: United States and Jordan. Size the buffer with the corridor runway calculator.
Funding the corridor
- Fedwire does not run on Saturdays, Sundays or Federal Reserve holidays; the Monday business day opens at 9:00 p.m. ET on Sunday and every business day closes at 7:00 p.m. ET, with customer transfers cut off at 6:45 p.m. ET. source
- Federal Reserve holidays in the rest of 2026 are Veterans Day (11 November), Thanksgiving (26 November) and Christmas (Friday 25 December); in 2027, Juneteenth (19 June) and Christmas (25 December) fall on Saturdays, so the Reserve Banks open on the Friday before. 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 United States, 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 the United States to Jordan?
The World Bank's survey put the average total cost of sending USD 200 at 5.26% in Q3 2025, across 20 services. Money transfer operators averaged 5.26%.
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 10 weekdays when the United States is closed and Jordan is open, the first on Wed 11 Nov 2026. The payout balance has to cover those days before they start.
Related corridors
Sources
- World Bank, Remittance Prices Worldwide dataset · World Bank
- Holiday Schedules (Federal Reserve Banks, 2026 to 2030, plus FedACH holiday processing) · Federal Reserve Financial Services
- Fedwire Funds Service and National Settlement Service Operating Hours · Federal Reserve Financial Services
- 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