One pipe.
Every rail.
Every market.
Omni-Channel Switch separates the source of funds from the destination of payment. Issuing flows into the Orchestrator, which routes and balances traffic across queues of carriers, rails and APIs - then handles failover and settlement on the way out to acquiring.
A switch engine built for Africa's data, connectivity, device and regulatory diversity.
How it works
A switch engine built for Africa's diversity.
Cards
Visa, Mastercard and Amex - issuing and acquiring across the full card scheme stack.
Mobile Money
MTN, Airtel, M-Pesa and more - direct integrations into the wallets your customers already use.
Bank Account
EFT, RTGS and direct bank-to-bank movement of funds.
Instant Payments
PayShap, GIP (GhIPSS) and other African instant payment systems - real-time account-to-account rails.
Wallets
Digital and mobile wallets across every provider, topped up and reconciled in real time.
Loyalty, Vouchers & Discounts
Rewards, vouchers and discounts applied and redeemed at the point of payment.
Cash
Cash transactions reconciled alongside every digital rail - one settlement view, no gaps.
Crypto Payments
Accept crypto payments and settle in local currency, fully reconciled through the switch.
Smart routing
Every transaction finds a path.
The Orchestrator continuously balances load across every connected carrier, rail and API. When a route degrades or fails, transactions are automatically re-queued to the next available path.
- Dynamic load balancing across all connected rails
- Automatic failover on degraded or failed routes
- Centralised settlement regardless of route taken
- Full audit trail from issuing to acquiring
Cross-border
When other switches fail, Omni-Channel Switch completes.
In live African cross-border and multi-currency environments, competing switches can see failure rates as high as 40%. Omni-Channel Switch holds the transaction, re-routes across an alternate rail or corridor, and completes it.
- Multi-currency FX conversion at the point of routing
- Remittance corridors across major African markets
- Hold-and-retry logic instead of hard failure
- Real-time FX rate management and settlement
Risk & compliance
Risk management, built in.
Every transaction is scored in real time. Omni-Channel Switch ships with fraud detection, compliance controls and a full audit trail as standard - so risk teams have what they need without bolting on third-party tooling.
- Real-time fraud detection and scoring engine
- Configurable risk profiles per merchant, channel and rail
- Built-in compliance controls and regulatory reporting
- Full audit trail across every transaction and route
Operations
Reconciliation that runs itself.
Automated multi-channel reconciliation across every rail, with real-time dashboards into settlement status. Operations teams see exactly where every transaction stands - no manual matching, no end-of-day surprises.
- Automated reconciliation across cards, mobile money and bank rails
- Real-time settlement dashboards and reporting
- Exception handling and automated dispute flagging
- Full transaction lifecycle visibility, end to end
Speed to market
Deploy in weeks, not years.
VantagePay's orchestration layer sits above your existing core - no big-bang programme, no multi-year freeze on your roadmap. Zero core changes required.
- Orchestration layer integrates above the existing core
- No big-bang programme or multi-year transformation
- Zero core changes - your systems stay as-is
- Production-grade from day one, proven in live deployments