One hub for every payment message your bank sends and receives.

VMH, the Vicatech Messaging Hub, takes each payment from creation to SWIFT and back: ISO 20022 validation, screening, MT and MX transformation, gpi tracking and reporting, with AI built in.

Request a VMH demo Explore VMH

ISO 20022 ready
SWIFT compliant
Multi-affiliate
AI built in

VMH, the Vicatech Messaging Hub, at the centre of the bank: it connects core banking systems, the SWIFT network, RTGS and payment systems, treasury and liquidity, corporate channels, APIs and integrations, data and repositories, reporting and analytics, notification and communication, compliance and screening, and the card management system.

Built on the standards banks run on

SWIFT APIs and gpi tracking
ISO 20022 (MX)
SWIFT Customer Security Programme
Alliance Access, Gateway, AWP, HSM

Payment investigations cost banks time, money and trust

When an international transfer is late, customers call the branch, operations teams search through messages by hand, and nobody can give a clear answer. We help you replace that with visibility and proactive communication.

The data already exists in the SWIFT network. The difference is getting it out of the back office and in front of the people who need it.

Fewer manual investigations
Operations teams see the status of each payment instead of reconstructing it from message logs.
Customers informed before they ask
Clients receive an alert at each step of their transfer, including when it is delayed or rejected.
Stronger compliance and fewer disputes
Secure, CSP-aligned connectivity and a clear record of every payment's journey.
A new source of revenue
Offer payment transparency as a subscription service to retail and corporate clients.

VMH and the solutions around it

VMH is the core platform. PaC-Alert, SwiftSMSpro and BeNotified extend it to your customers.

Flagship platform

VMH Vicatech Messaging Hub

The Vicatech Messaging Hub is an enterprise financial messaging platform. It takes each payment from creation to SWIFT and back, with ISO 20022 validation, screening, tracking and reporting in one place.

Explore VMH Request a VMH demo

ReceivedValidatedScreenedMT generatedSWIFT ACK

ISO 20022 and SWIFT CBPR+ ready, with MT and MX side by side
Built-in sanctions, PEP and watchlist screening
gpi Tracker status, cover payments and investigations
PI-SPI instant payments and regional clearing rails
AI assistant and plain-language reporting
Virtual cards for corporate and retail customers

Payment confirmation alerts

PaC-Alert

An end-to-end tracking service that tells your customers the status of their interbank payments in real time, from your bank to the beneficiary bank.

Real-time visibility of each payment's lifecycle
Automatic alerts by push, in-app and SMS
Fewer manual investigations for operations
Can be offered as a paid subscription service

Explore PaC-Alert

SMS gateway

SwiftSMSpro

An SMS gateway that banks connect to through an API, so their systems can send customers notifications such as credit alerts automatically.

Gateway API that connects to core banking systems
Automatic SMS for credit alerts and other account events
Reaches every customer phone, with no app required

Explore SwiftSMSpro

Enterprise notifications

BeNotified

A modern enterprise communication platform that links your institution, its points of sale and its customers, and lowers notification costs.

Mobile app, SMS, email and WhatsApp
Direct, two-way communication with clients
Significant reduction in notification costs

Explore BeNotified

AI built into every product

Each Vicatech product uses AI to turn payment and messaging data into context: what is likely to happen next, what to tell the customer, and what your teams should look at first.

AI assistant

Answers questions about payments, statuses and procedures from inside the platform.

False-positive review

Helps compliance officers review screening hits. Advisory only: people make every decision.

Reporting in your own words

Ask a question in plain language and get the report, after checking how it was understood.

Anomaly detection

Spots unusual payment and messaging patterns and summarises them for your operations teams.

VMH
PaC-Alert
SwiftSMSpro
BeNotified

Delay prediction

Flags payments likely to be delayed or rejected, so customers hear about it before it happens.

PaC-Alert

Smart wording and routing

Writes clear messages in each customer's language and sends them on the lowest-cost channel that works.

PaC-Alert
SwiftSMSpro
BeNotified

Expertise across the SWIFT lifecycle

From the first API connection to the day-to-day running of your SWIFT infrastructure, our certified team works alongside yours.

SWIFT API integration and payment monitoring

Connect your core banking and back-office systems to SWIFT services through secure APIs.

ISO 20022 migration and integration

Prepare your systems and teams for MX messages and richer payment data.

Automated cross-border payment status alerts

Tell opted-in customers where their international transfers are, at every step.

Training

Practical ISO 20022 and SWIFT Alliance courses for IT and business teams.

Managed SWIFT support

Outsourced support for your SWIFT infrastructure: responsive, compliant and cost-effective.

SWIFT consulting

Architecture design and end-to-end advice for secure, efficient SWIFT operations.

View all services

How we work with you

A clear path from first conversation to stable operations.

Assess
We listen, review your current setup and agree goals, scope and a transparent quote.
Design
We define the target architecture, security controls and project plan with your teams.
Integrate
We build, connect and test end to end, then go live with you.
Support
We train your staff and stay on hand to run, monitor and improve.

What participants say1

Thank you sincerely. I would also like to commend your professionalism and the quality of the training content, which proved particularly enriching. I encourage you to continue in this spirit of excellence.

Yvan Lionel Minssang Mi Ella Compliance & CSR Officer Vicatech training participant. Translated from French

A partner, not just a provider

When you work with us you are not growing your business alone. We put our expertise behind your SWIFT API projects and your ISO 20022 migration, and we stay with you after go-live.

Meet the team

Certified expertise
SWIFT-certified financial messaging specialists and platform engineers.
Objective advice
Recommendations based on your needs, not on what is easiest to sell.
Transparent pricing
Clear, fair quotes agreed before work begins.
Close to our clients
A team based in West Africa that understands local banking realities.

One hub for every payment message your bank sends and receives.

Payment investigations cost banks time, money and trust

Fewer manual investigations

Customers informed before they ask

Stronger compliance and fewer disputes

A new source of revenue