The conventional ammonia in-situ treatment technology fails to achieve complete NH4+-N degradation, while the high concentration of native iron in groundwater further complicates its removal process, potentially leading to adverse environmental consequences. This study investigates the introduction of peroxymonosulfate (PMS) into groundwater containing high concentrations Fe2+ (Fe3O4 as a ferrous source), which can act as persistent catalysts, and Cl-, causing the degradation of ammonia through chlorine free radical-based advanced oxidation processes (PMS- Fe3O4/Cl-), and evaluates the advantages and limitations of employing the PMS- Fe3O4/Cl- system for ammonia treatment. The rapid reaction between SO4•- and Cl- resulted in the formation of Cl• as primary products. Cl• initiates a cascade of subsequent reactions with pH-dependent secondary active products. Under optimal conditions, the ammonia removal efficiency reached 97.44 % using the PMS- Fe3O4/Cl- system within 120 min of operation, which can be attributed to the selective oxidation of ammonia by chlorine reactive species. And this finding was substantiated by observations from experiments involving free radical quenching and EPR spectra coupled with DMPO. The HCO3– and humic acid (HA) in water can significantly affect the removal of ammonia, owing to their capability of quenching SO4•- and Cl•. Meanwhile, the levels of generated toxic chlorates in our system remain within acceptable limits. The PMS- Fe3O4/Cl- system exhibited outstanding transport capacity and stability in simulated columns, demonstrating excellent ammonia oxidation efficiency in natural groundwater, thereby confirming its promising practical potential. All experiments were executed at a temperature of 12 ℃, thereby verifying the remarkable efficacy of the PMS- Fe3O4/Cl- system in removing ammonia even under microtherm conditions.