jordan pulse -

By lawyer Bashar Mohammad Al-Batoush

RAM - CliQ, introduced by JoPACC, is Jordan’s instant payment system allowing money transfers between bank accounts and e-wallets through banking apps. Initially free, some transfers are now subject to fees.

The service is considered a major step forward in financial transactions, saving time and effort while enhancing security through tracking features that help detect suspicious transfers and money laundering, in line with ‘Know Your Customer’ policies.

However, as with any digital payment tool, errors may occur if money is mistakenly sent to the wrong recipient. In such cases, the recipient is expected—ethically—to coordinate with their bank or e-wallet provider to return the funds. If they refuse, legal measures become available.

Some banking apps allow the recipient to directly return the funds, but not all provide this option. If the transfer has not yet entered the recipient’s account, the sender may request cancellation through their bank. Once the money is credited, banks cannot withdraw it without the account holder’s consent.

If attempts to resolve the matter amicably fail, the sender may resort to legal action to reclaim the misdirected funds.