End-to-end orchestration
Manage the complete flow of financial messages and card services, from request to delivery.
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VMH Vicatech Messaging Hub
Every payment message, from creation to confirmation, in one hub.
VMH is the enterprise financial messaging platform from VICATECH Group. It connects your core banking system, corporate clients and SWIFT, and gives operations, compliance and management one view of every payment.
Executive dashboard
Enterprise operational intelligence
- SLA compliance
- 99.2%
- Avg processing time
- 38 s
- ACK success rate
- 99.8%
- Queue pressure
- Low
Live feed
- pacs.008USD 48,500.00 to AccraSWIFT ACK
- pain.001Corporate batch, 42 paymentsScreening
- pacs.009 COVCover via correspondentMX ready
Built for regulated banks
- ISO 20022 ready
- SWIFT compliant
- Enterprise-grade security
- End-to-end visibility
- Multi-affiliate platform
What VMH delivers
One platform for financial messages and card services, built to grow with your bank.
Native MT and MX management
Handle MT, MX and hybrid flows with advanced transformation capabilities.
Real-time visibility
Monitor, track and investigate messages and card transactions in real time, with complete transparency.
Compliance integrated
Seamless integration with screening engines and regulatory frameworks.
Intelligent and future-ready
Designed for automation, analytics and AI-driven operational excellence.
Virtual cards
Orchestrate the lifecycle of virtual cards for corporate and retail customers: request, approval, issuance, funding, control, monitoring and reconciliation.
From creation to confirmation
VMH follows each payment through every control your bank applies, and keeps a complete record of what happened at each step.
Capture
Payments from the core banking system, corporate pain.001 files or secure manual MX creation.
Validate
ISO 20022 schema, network rules and your own business rules.
Approve
Maker-checker approval with full traceability.
Screen
Sanctions, PEP, watchlist and bank-rule screening before release.
Transform
MX to MT and back for Alliance Access, with message fidelity preserved.
Transmit
Release through SWIFT Alliance Access to the network, with ACK monitoring.
Track
gpi Tracker status, cover payments, recalls, returns and investigations.
Report
Reports and dashboards built directly on ISO 20022 data.
Modules
Start with the payment hub and add the modules your bank needs. Each one is licensed separately.
Payment Hub
International transfers from the core banking system, corporate pain.001 payments and secure manual MX creation, with maker-checker approval.
Transaction Screening
Native sanctions, PEP, watchlist and bank-rule screening, with governed bypass, MLRO decisions and AI-assisted false-positive review.
Tracker and investigations
SWIFT gpi Tracker status management, missing-notification checks, exception cases, recalls, returns and status investigations.
Cover payments
pacs.009 COV cover legs created, sent and followed to confirmation, with missing-cover detection.
PI-SPI instant payments
BCEAO interoperable instant payments for the WAEMU region: outbound and inbound flows, aliases and QR codes, batches, requests to pay and reconciliation.
Payment Intelligence Hub
Reporting on every captured payment message. Build a report, ask for one in your own words, or explore ISO 20022 fields directly, then save and schedule it.
Card Services and virtual cards
Card requests, cards and virtual cards for corporate and retail customers, with transactions, operations, risk, disputes, security and reconciliation in one module.
Rules, mapping and workflow
Rules engine, clearing-system routing, mapping and transformation designers, workflow designer and payment simulations.
AI
AI that supports your teams, never replaces their decisions
VMH uses AI where it saves time for operations and compliance, and keeps people in control of every decision.
AI assistant
Ask questions about payments, statuses and procedures from inside VMH.
False-positive review
An AI assessment helps officers review screening hits. It is advisory only and never releases, blocks or clears a transaction on its own.
Reporting in your own words
Ask a reporting question in plain language. VMH shows how it understood you before it runs anything.
Operational intelligence
Spots velocity spikes, unusual beneficiary destinations, large off-hours transfers and infrastructure issues such as Alliance Access latency.
Designed for banks in Africa and beyond
VMH is designed around the payment systems, regulators and banking groups of the continent.
- PI-SPI instant payments for the BCEAO and WAEMU region
- SAMOS high-value routing and SADC regional connectivity
- Multi-affiliate operation for banking groups across several countries
- Interface in English, French and Portuguese
- Sign-in with your Windows domain account
- Every connection encrypted and every action audited
Control and audit by design
- Maker-checker on payments, screening and configuration
- Immutable audit trail with rule, list and policy versions
- Message ownership and version management
- Integrity monitoring of every message
Other Vicatech solutions
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.
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.