Commercial Banks use CMA’s Payment gateway to connect to ACH of the Central Bank of Jordan.
Jordan commercial banks such as Arab Bank Jordan, Islamic International Arab Bank Jordan, Cairo Amman Bank Jordan, Jordan Commercial Bank, Bank of Jordan put into operation TMS/X Payment Gateway to connect to Automated Clearing House of Central bank of Jordan. TMS/X Payment Gateway is a full-fledged functionality of ACH, including receiving and validation of payments (in MT and custom format) from core banking system; checking payments against Safe Watch (AML validation) and further batching of payments based on ACH CBJ rules and sending verified batches to ACH CBJ (in automatic or manual mode) as well as receiving payments from ACH CBJ, delivering them (in MT and custom format) to core banking system and delivering replies from core banking to ACH CBJ (for direct debit payments); mandate management; sending ACH related requests to ACH CBJ and processing replies from ACH CBJ.
Also, the banks are using another CMA’s solution - TMS/X Routing Module for VPN channel for Real Time Gross Settlement of Central Bank of Jordan that provides routing of RTGS message when VPN channel is activated in Central Node. Banks use this full-fledge solution for managing new type of payments released by Central Bank of Jordan – clearing payments with minimal modification of core banking.
TMS/X works in conjunction with core banking system, SWIFT and Central Node (ACH and RTGS).