CliQ payments in your shop: how to receive them, and how they show at the till

In short: Register an alias on the shop's account and put it on a sign at the counter, confirm every payment in your own banking app rather than on the customer's screen, and record each CliQ payment under its own method at the till so the drawer count holds up at shift close.

It is a familiar scene in Jordan now. The customer is short on cash, opens their banking app and asks, 'Do you take CliQ?' Seconds later the money is in your account, with no card machine and no hunting for change. But taking CliQ in a shop with customers and staff needs a little setup: a clear alias, a way to confirm the money actually arrived, and recording the payment at the till so the drawer adds up at the end of the day. This guide covers all three.

What CliQ is

CliQ is Jordan's instant payment system, launched in 2020 and owned and operated by JoPACC, the Jordan Payments and Clearing Systems Company, under the umbrella of the Central Bank of Jordan. It moves money instantly between accounts at participating banks and institutions.

According to JoPACC's own pages as of October 2026, it runs 24/7, in Jordanian dinars only and within Jordan only, with a maximum of 10,000 JOD per transaction, and each bank may set a lower limit or a daily limit. JoPACC lists every bank in Jordan as a participant except Al Rafidain Bank.

CliQ is an account-to-account transfer, not a card payment on the shop's terminal. So a CliQ payment does not usually show on the customer's statement as 'POS purchase', the line that appears when they pay by card on a terminal. Our guide to what POS purchase means on a bank statement explains that line if a customer asks.

Your alias: your shop's address on CliQ

To receive CliQ payments you register an alias in your banking app or online banking. The alias can be a name you choose from letters and numbers, your mobile number, or an email address. The customer types it into their app instead of a long IBAN, and the money lands in the account linked to it.

Before the customer confirms, their app shows the full name of the receiving account holder. That protects them from paying the wrong person, and it means the name they see should be one they recognise: your shop's name, or your own name as it appears on the sign.

You can link several aliases to one account, or use one alias for several accounts with a default, but which of these options you get depends on your bank.

Tips for your shop's alias

• Link it to the shop's account rather than your personal one if you can, so household spending and shop takings do not get mixed up in front of your accountant.
• Prefer a name alias over your personal mobile number. You will not have to hand your number to every customer, and nothing breaks if you change it.
• Keep it short and easy to type without mistakes, and print it clearly on a small sign by the counter.
• With more than one branch, consider an alias per branch so you know where each payment came from.
• Put only the alias on the sign. No account number and nothing else.

Three ways a customer can pay you with CliQ

JoPACC lists four CliQ services: single transfers, request to pay, payment returns, and QR payments at merchants. Three of them matter at the counter.

Only banks and licensed payment providers connect to CliQ directly. A shop receives CliQ through its bank account or through a merchant acquirer.

Before you hand over the goods: check your own app

The most common CliQ problem in shops is not technical. The customer transfers, holds up their phone, says 'Done', takes the goods and leaves. A screenshot on the customer's phone is not proof that money reached you. The transfer may have failed, gone to another alias, or the screenshot may be an old one.

• Confirm the payment in your own banking app or in the bank's notification on the shop phone, never on the customer's screen.
• Match the amount to the invoice total down to the fils. A single wrong digit slips by easily.
• Decide who checks when you are not in the shop: the employee who sees the shop account's notifications, or you from your phone.
• For large amounts, wait until the transaction shows in the account before handing anything over, however rushed the customer is.
• If the money did not arrive, the customer follows up with their bank, which is responsible for tracing the transfer until it is delivered or returned.

Returns when the customer paid by CliQ

CliQ lets the receiver return a payment to the sender, in full or in part, depending on what their bank offers. So when a customer returns an item paid for by CliQ, the cleanest option is to refund the same way, and the customer sees a clear entry on their statement tied to the original payment.

At the till, record the return against the original invoice with the same payment method. Refund a CliQ payment in cash and your drawer will come up short at shift close, and you will spend an hour hunting for a gap that is not really there.

Fees and limits

JoPACC says banks currently offer CliQ free of charge and that each bank may set fees as it sees fit. So ask your bank about your shop's account specifically: whether receiving costs anything, whether business accounts are treated differently, and what your daily limit is.

A QR service through a merchant acquirer has its own terms and fees set by that provider. Get them in writing before you sign, and compare them with a card terminal.

Recording a CliQ payment in Ghalleh

When you close an invoice in Ghalleh you choose how it was paid: cash, card, CliQ, or on credit to the customer. You can also split one invoice across methods. On a 23.750 JOD invoice, the customer pays 5 JOD cash and 18.750 by CliQ, and each part is recorded under its own method.

The payoff comes at shift close. Ghalleh compares the cash expected in the drawer with what the employee counted, and CliQ payments stay out of that count because they were never in the drawer. So a customer paying by CliQ never shows up as a false shortage, and a CliQ payment never gets lost among the cash. At the end of the day, match the CliQ invoices in Ghalleh against the transactions in your banking app.

The invoice itself goes to JoFotara and its QR prints on the receipt whatever the payment method.

What Ghalleh does not do

Ghalleh does not receive the money, and payments do not pass through it. The money moves from the customer's bank to yours directly over CliQ. What Ghalleh does is record that this invoice was paid by CliQ, so your numbers are right. Confirming the money arrived stays in your banking app, and no cashier app replaces that step. Ghalleh is available now on Google Play, with the Windows version on the download page, and the trial is 14 days free with every feature and no card, so try split payments and shift close in your own shop.

Common questions