Market specifications

Do you want to know more information about Jordan's market? Go to the Expand Your Reach in Africa’s eCommerce Market article.

Country reference

`country` code	`currency` code	`amount` decimals	`beneficiary.document.type` name	`beneficiary.document.id` format
`JO`	`JOD`	2	National ID Card	10 digits. All numeric.

Mandatory parameters

Bank transfers

Bank transfer parameters	B2C	B2B	P2P
`external_id`	Yes	Yes	Yes
`payment_method_id`	Yes	Yes	Yes
`flow_type`	Yes	Yes	Yes
`purpose`	Yes	Yes	Yes
`country`	Yes	Yes	Yes
`amount`	Yes	Yes	Yes
`currency`	Yes	Yes	Yes
`beneficiary.first_name`	Yes	-	Yes
`beneficiary.last_name`	Yes	-	Yes
`beneficiary.business_name`	-	Yes	-
`beneficiary.bank_account.account`	Yes	Yes	Yes
`remitter.first_name`	-	-	Yes
`remitter.last_name`	-	-	Yes
`remitter.document.type`	-	-	Yes
`remitter.document.id`	-	-	Yes
`remitter.birth_info.date`	-	-	Yes
`remitter.address.street`	-	-	Yes
`remitter.address.country`	-	-	Yes
`remitter.nationality`	-	-	Yes

Wallet transfers

Wallet transfers parameters	B2C	B2B	P2P
`external_id`	Yes	Yes	Yes
`payment_method_id`	Yes	Yes	Yes
`flow_type`	Yes	Yes	Yes
`purpose`	Yes	Yes	Yes
`country`	Yes	Yes	Yes
`amount`	Yes	Yes	Yes
`currency`	Yes	Yes	Yes
`beneficiary.first_name`	Yes	Yes	Yes
`beneficiary.last_name`	Yes	Yes	Yes
`beneficiary.business_name`	-	Yes	-
`beneficiary.instant_payment.type`	Yes	Yes	Yes
`beneficiary.bank_account.account`	Yes	Yes	Yes
`beneficiary.phone`	Yes	Yes	Yes
`remitter.first_name`	-	-	Yes
`remitter.last_name`	-	-	Yes
`remitter.document.type`	-	-	Yes
`remitter.document.id`	-	-	Yes
`remitter.birth_info.date`	-	-	Yes
`remitter.address.street`	-	-	Yes
`remitter.address.country`	-	-	Yes
`remitter.nationality`	-	-	Yes

Payment methods

Jordan supports payouts via Bank transfers and Wallet transfers. Each method requires specific parameters and follows validation rules aligned with local compliance and banking standards.

Use Wallet transfers for instant payments to mobile wallets. Use Bank transfers when sending funds directly to a bank account.

Bank transfers

Bank transfers in Jordan require detailed account information, including IBAN. The format of these fields depends on the receiving bank, and strict validation rules apply.

Refer to the bank codes section for format specifications.

Mandatory parameters

All fields listed below are required for bank transfer payouts. For successful processing, ensure correct formatting and value types.

Mandatory parameter	Description
`external_id`	Unique payout identification at the merchant's end. Maximum 100 characters.
`payment_method_id`	Payment method identifier. For bank transfers, use `BANK_TRANSFER`.
`flow_type`	Payout flow type. Valid values: `B2C` (Business to Consumer), `B2B` (Business to Business), or `P2P` (Person to Person).
`purpose`	Payout purpose code. For P2P, use `REMITTANCES`. See purpose codes reference.
`country`	Country code. For Jordan, use `JO`.
`currency`	Source currency of the FX operation. For Jordan, use `JOD` or `USD`. Payouts are typically paid in local currency to the beneficiary.
`amount`	Payout amount in `JOD`. Use up to 2 decimal places.
`beneficiary.first_name`	Beneficiary's first name. Maximum 50 characters.
`beneficiary.last_name`	Beneficiary's last name. Maximum 50 characters.
`beneficiary.business_name`	Beneficiary's business name. Mandatory only for B2B.
`beneficiary.bank_account.account`	Beneficiary's bank account number. Alphanumeric 30 characters IBAN Format. All Jordan IBANs begin with 'JO' and are exactly 30 characters long (e.g JO94BJOR0010000000000131000301).
`remitter.first_name`	Remitter's first name. Maximum 50 characters. Mandatory only for remittance (P2P).
`remitter.last_name`	Remitter's last name. Maximum 50 characters. Mandatory only for remittance (P2P).
`remitter.document.type`	Type of identification document: `ID` for national identification number, `PASS` for passport. Mandatory only for remittance (P2P).
`remitter.document.id`	Remitter's identification document or number. Maximum 45 characters. Mandatory only for remittance (P2P).
`remitter.birth_info.date`	Remitter's date of birth in ISO 8601 format (YYYY-MM-DD). Mandatory only for remittance (P2P).
`remitter.address.street`	Remitter's street address. Maximum 200 characters. Mandatory only for remittance (P2P).
`remitter.address.country`	Remitter's country code in ISO 3166-1 alpha-2 format. Mandatory only for remittance (P2P).
`remitter.nationality`	Remitter's nationality. Use ISO 3166-1 alpha-2 format. Mandatory only for remittance (P2P).

Example request

{
  "external_id": "JO_B2C_001",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "B2C",
  "purpose": "OTHER_SERVICES",
  "country": "JO",
  "amount": 100,
  "currency": "JOD",
  "beneficiary": {
    "first_name": "DLOCAL",
    "last_name": "Jordan Limited",
    "bank_account": {
      "account": "JO94BJOR0010000000000131000301"
    }
  },
  "notification_url": "https://thisisawebsite.net/payments"
}

{
  "external_id": "JO_P2P_002",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "P2P",
  "purpose": "REMITTANCES",
  "country": "JO",
  "amount": 100,
  "currency": "JOD",
  "beneficiary": {
    "first_name": "Omar",
    "last_name": "Al-Majali",
    "bank_account": {
      "account": "JO94BJOR0010000000000131000301"
    }
  },
  "remitter": {
    "first_name": "John",
    "last_name": "Doe",
    "document": {
      "type": "PASS",
      "id": "CO1234567"
    },
    "birth_info": {
      "date": "1980-05-15"
    },
    "address": {
      "street": "123 Example Street, Amman, Jordan",
      "country": "BR"
    },
    "nationality": "CO"
  },
  "notification_url": "https://thisisawebsite.net/payments"
}

Wallet transfers

Wallet transfers enable real-time transfers using a mobile phone number or alias linked to a wallet.

The beneficiary.instant_payment.type field must indicate the type of wallet being used (M for mobile phone number or A for alias). The beneficiary.phone or beneficiary.bank_account.account field must be present and correctly formatted based on the wallet type.

Mandatory parameters

The table below outlines the required parameters for Wallet transfers.

Mandatory parameter	Description
`external_id`	Unique payout identification at the merchant's end. Maximum 100 characters.
`payment_method_id`	Payment method identifier. For wallet transfers, use `INSTANT_PAYMENT`.
`flow_type`	Payout flow type. Valid values: `B2C` (Business to Consumer), `B2B` (Business to Business), or `P2P` (Person to Person).
`purpose`	Payout purpose code. For P2P, use `REMITTANCES`. See purpose codes reference.
`country`	Country code. For Jordan, use `JO`.
`currency`	Source currency of the FX operation. For Jordan, use `JOD` or `USD`. Payouts are typically paid in local currency to the beneficiary.
`amount`	Payout amount in `JOD`. Use up to 2 decimal places.
`beneficiary.first_name`	Beneficiary's first name. Maximum 50 characters.
`beneficiary.last_name`	Beneficiary's last name. Maximum 50 characters.
`beneficiary.business_name`	Beneficiary's business name. Mandatory only for B2B.
`beneficiary.instant_payment.type`	Type of wallet identifier: `M` (mobile phone number) or `A` (alias).
`beneficiary.bank_account.account`	Alias. Maximum 45 characters. Mandatory if instant payment type is `A` (alias).
`beneficiary.phone`	Mobile phone number. Can be sent either with 9 digits (e.g. 123456789) or with the country code plus 9 digits (e.g. +962123456789). Mandatory if instant payment type is `M` (mobile phone number).
`remitter.first_name`	Remitter's first name. Maximum 50 characters. Mandatory only for remittance (P2P).
`remitter.last_name`	Remitter's last name. Maximum 50 characters. Mandatory only for remittance (P2P).
`remitter.document.type`	Type of identification document: `ID` for national identification number, `PASS` for passport. Mandatory only for remittance (P2P).
`remitter.document.id`	Remitter's identification document or number. Maximum 45 characters. Mandatory only for remittance (P2P).
`remitter.birth_info.date`	Remitter's date of birth in ISO 8601 format (YYYY-MM-DD). Mandatory only for remittance (P2P).
`remitter.address.street`	Remitter's street address. Maximum 200 characters. Mandatory only for remittance (P2P).
`remitter.address.country`	Remitter's country code in ISO 3166-1 alpha-2 format. Mandatory only for remittance (P2P).
`remitter.nationality`	Remitter's nationality. Use ISO 3166-1 alpha-2 format. Mandatory only for remittance (P2P).

Example request

{
  "external_id": "JO_B2C_003",
  "payment_method_id": "INSTANT_PAYMENT",
  "flow_type": "B2C",
  "purpose": "OTHER_SERVICES",
  "country": "JO",
  "amount": 1,
  "currency": "JOD",
  "beneficiary": {
    "first_name": "DLOCAL",
    "last_name": "Jordan Limited",
    "instant_payment": {
      "type": "M",
    "phone": "+962123456789"
    }
  },
  "notification_url": "https://thisisawebsite.net/payments"
}

{
  "external_id": "JO_P2P_004",
  "payment_method_id": "INSTANT_PAYMENT",
  "flow_type": "P2P",
  "purpose": "REMITTANCES",
  "country": "JO",
  "amount": 100,
  "currency": "JOD",
  "beneficiary": {
    "first_name": "Omar",
    "last_name": "Al-Majali",
    "phone": "+962123456789",
    "instant_payment": {
      "type": "M"
    }
  },
  "remitter": {
    "first_name": "John",
    "last_name": "Doe",
    "document": {
      "type": "PASS",
      "id": "CO1234567"
    },
    "birth_info": {
      "date": "1980-05-15"
    },
    "address": {
      "street": "123 Example Street, Amman, Jordan",
      "country": "BR"
    },
    "nationality": "CO"
  },
  "notification_url": "https://thisisawebsite.net/payments"
}

Bank information

Access the reference formats and accepted values required for processing bank payouts in Jordan.

Bank codes

These are the values the beneficiary.bank_account.account parameter can take in Jordan (positions 5 to 8 in the IBAN to be sent in the bank_account parameter).

Bank name	Bank code
Arab Bank	ARAB
Arab Banking Corporation	ABCJ
Arab Jordan Investment Bank	AJIB
Ayapay	AYAP
Bank AlEtihad	UBSI
Bank of Jordan	BJOR
Blom	BLOM
Cairo Amman Bank	CAAB
Capital Bank of Jordan	EFBK
Citi	CITI
Dinarak	DNRK
Egyptian Arab Land Bank	ARLB
Gadha	GDHA
Housing Bank for Trade and Finance	HBHO
Islamic International Arab Bank	IIBA
Jordan Ahli Bank	JONB
Jordan Commercial Bank	JGBA
Jordan Islamic Bank	JIBA
Jordan Investment and Finance Bank	JIFB
Jordan Kuwait Bank	JKBA
Mared	MDFT
MEPS	MEPS
National Bank of Kuwait	NBOK
Orange Money	ORNG
Safwa Islamic Bank	JDIB
Societe Generale de Banque-Jordanie	SGME
UWallet	UWLT
ZainCash	ZAIN