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Stop investigating payments manually. Let your customers follow them.
PaC-Alert notifies your customers at every key stage of their international transfers, from your bank through intermediary institutions to the beneficiary bank, so they always know where their money is.
Why banks choose PaC-Alert
Customers who send money abroad want to know when it arrives. Without visibility, every delay turns into a phone call, a branch visit or a complaint, and your teams lose hours tracing payments by hand.
- Customers who opt in are informed automatically at each step of the transfer
- Delays and rejections are flagged as they happen, not days later
- Operations teams get a single view of payment status instead of searching message logs
- The service can be packaged and sold to retail and corporate clients by notification scenario
Notification channels
- Push notifications
- In-app messages
- SMS (fallback)
PaC-Alert is mobile-first. SMS is used only as a fallback, so critical alerts always get through while messaging costs stay low.
How it works
PaC-Alert sits between the SWIFT network and your customer channels. Your core banking system stays as it is.
Connect
We connect to SWIFT payment tracking data through secure APIs, aligned with the Customer Security Programme.
Match
Each payment is matched to the customer who sent it and to the notification scenarios they subscribed to.
Notify
Status changes trigger push or in-app alerts, with SMS as a fallback, in the customer's language.
Monitor
Your teams follow payment flows, delays and exceptions from a supervision dashboard.
Every status, explained in plain language
Customers receive a clear message for each stage of their payment, not a technical code.
| Status | What the customer is told |
|---|---|
| In progress | The payment has left your bank and is on its way. |
| Pending | The payment is waiting at an intermediary or the beneficiary bank. |
| Delayed | Processing is taking longer than usual. The customer knows before they need to ask. |
| Failed | The payment was rejected or returned, with guidance on next steps. |
| Completed | The funds have been credited to the beneficiary's account. |
What PaC-Alert includes
End-to-end tracking
Follow each payment from the ordering bank through intermediaries to the beneficiary bank.
Proactive notifications
Alerts are sent automatically when a payment changes status.
Opt-in and scenarios
Customers choose which payments and events they want to hear about.
Supervision dashboard
Strategic oversight of payment flows, delays and exceptions.
Security by design
Connectivity built in line with SWIFT CSP controls.
Monetisable service
Package payment transparency as a premium offer for your clients.
AI that sees delays coming
PaC-Alert does not only report what has happened. It uses AI to anticipate problems and explain them clearly.
Delay prediction
Flags payments likely to be delayed or rejected, based on their route and past behaviour, so customers are warned early.
Clear, personalised alerts
Turns technical payment statuses into plain messages in the customer's language.
Operations assistant
Detects unusual payment patterns and gives your teams a short summary of what needs attention.
For your bank
- Fewer calls and complaints about missing payments
- Less time spent on manual investigations
- A new subscription-based revenue line
- A modern, transparent customer experience
For your customers
- Real-time visibility on every international transfer
- Immediate warning when something goes wrong
- Confidence when paying suppliers abroad
- Clear messages in their own language
Other Vicatech solutions
VMH
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.
SwiftSMSpro
An SMS gateway that banks connect to through an API, so their systems can send customers notifications such as credit alerts automatically.
BeNotified
A modern enterprise communication platform that links your institution, its points of sale and its customers, and lowers notification costs.