Send OTP codes, security alerts, and marketing communications from a single platform using one API for SMS, email, push notifications, and RCS. MessageFlow delivers your messages in compliance with DORA and NIS2 while keeping your data within the EEA.
messages processed annually
SMS messages per-hour throughput
Financial institutions served by MessageFlow
Trusted by leading brands in the financial sector
Minimise the risk of delayed code delivery and failures caused by fragmented integrations while accelerating ICT provider assessments. Choose one solution that meets the needs of your security, IT, compliance, and marketing teams.
From data residency and complete ICT documentation to OTP delivery, scalability, and rapid incident response – discover how MessageFlow helps financial institutions meet their critical requirements.
Bring authentication, security alerts, and product communications together in one environment. Use a single API or user panel to reduce the number of integrations, simplify operations, and maintain control over your communications – whether you represent a bank, insurer, lending institution or financial comparison platform.
Deliver OTP and 2FA codes, login confirmations, password reset messages, and authorisations for account changes with MessageFlow Priority. A separate route for critical communications helps reduce the risk of delays at crucial moments in the customer journey.
Immediately notify customers about suspicious activity, transactions, and limit changes. Keep communicating during incidents and automatically use SMS as a fallback whenever a push notification fails to arrive or remains unread.
Send payment and instalment reminders, policy renewal notices, application status updates, formal notifications, and debt collection messages on time. Reduce operational work and keep your communications aligned with the rules defined by your team.
Reach customers with tailored offers, value-added services, and product communications via email, SMS, push notifications, RCS, and Viber. Segmentation and centralised management of consents and opt-outs help you deliver more relevant communications in line with the Anti-Spam Policy.
Manage transactional and marketing communications across SMS, email, mobile push, RCS, and Viber in one secure, compliant environment. Enjoy unified reporting, a single invoice, and tools designed for your marketing, compliance, IT, product, and customer service teams. Test different channels, content, and scenarios to measure their effectiveness and select the best contact method based on each message’s importance, urgency, and purpose.
Channels
Deliver authentication codes, confirmations and urgent notifications without intermediaries. Benefit from direct connections to mobile network operators in Poland and across Europe. Delivery within 3.5 seconds and deliverability rates of up to 99.99%.
Send transactional and marketing emails from dedicated infrastructure within the EEA, with SPF, DKIM and DMARC authentication and proactive deliverability support.
Reach customers in your mobile banking app with alerts and urgent information. If a push notification fails to arrive or remains unread, use SMS as a fallback channel.
Reach customers across Central and Eastern Europe through Viber, which we’re an official partner of. Use multimedia, action buttons, and two-way communication to engage customers beyond SMS and email.
Send OTPs, alerts, payment reminders, and application status updates. Use a verified business profile, templates, buttons, and WhatsApp Flows. If a message fails to arrive, use SMS as a fallback channel.
Turn SMS into an interactive customer service channel with a verified sender, multimedia, rich cards, buttons and chatbots. Present offers and guide customers through their journey directly in the default messaging app.
Functions
Route OTPs, 2FA messages, and critical alerts through a separate server pool isolated from marketing traffic. Codes and alerts arrive on time even during traffic peaks, helping customers complete their actions without contacting customer support.
Reach recipients who did not read your first message. Define the channel sequence, and the system will automatically resend the message in the next one. This makes it easy to increase your campaign reach and effectiveness.
Turn raw API and SMTP sending logs into clear deliverability reports in one dashboard. Identify delivery drops at specific mailbox providers before they affect your sender reputation, all without involving your IT team.
During the consultation, we will review your channels, OTP flows and alerts, as well as your options for migrating or consolidating existing solutions. You will receive a recommendation tailored to your organisation’s architecture and requirements.
One of our retail banking clients set a clear goal: generate more loan applications at a lower acquisition cost while achieving a conversion rate above 2%. Together, we designed an RCS campaign that allowed customers to make a decision within a single interaction without being redirected to an external form.
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conversion rate
4× higher than affiliate marketing
and 2× higher than paid social
of recipients who opened the message interacted
with the campaign content
of users actively engaged with the card carousel
See what a MessageFlow implementation could look like in your organisation. The detailed scope and timeline will depend on your existing architecture and specific needs.
We review your current communications, channels, integration points, and traffic peaks to define the implementation scope.
We establish the basis for data processing, prepare an ICT services agreement and an addendum based on ZBP recommendations, and provide the resources required for your provider assessment.
We launch communications on a limited scale to test the integration, deliverability, and channel sequences before the full production rollout.
We route OTPs, 2FA messages, and critical alerts through a separate server pool isolated from marketing traffic. MessageFlow Priority is a paid feature, so you decide whether to enable it.
We establish deliverability monitoring, escalation procedures, and points of contact before scaling to full production volumes.
Customer data is processed and stored exclusively within the EEA. MessageFlow’s data centres are located in Poland and Germany.
The average delivery time for an SMS sent through MessageFlow is 3.5 seconds, while deliverability rates in fintech campaigns reach 99.99%. We achieve these results through direct connections to mobile network operators, without grey routing or low-quality routes. The final delivery time of each message also depends on the destination network and the recipient’s mobile operator.
Priority uses a separate server pool isolated from marketing traffic and standard notifications. OTPs, 2FA messages, password resets, and security alerts receive the highest processing priority across the SMS API, email API and SMTP.
MessageFlow provides the highest processing priority and immediate handling within its own infrastructure. Final delivery times also depend on telecommunications operators and email providers, so specific end-to-end delivery times should not be guaranteed without a separate SLA.
Under the Enterprise plan, the initial response time is up to 30 minutes for P1 issues, up to one hour for P2 issues and up to two hours for P3 issues. These times apply during business hours on business days. A response means that work on the issue has started, not that the issue has been resolved. A formal SLA requires a separate agreement.
Vercom, the owner of MessageFlow, is listed in the register of SMS service integrators maintained by the President of the Office of Electronic Communications (UKE). Messages matching smishing patterns identified by NASK or using prohibited sender IDs are blocked. Anti-abuse systems are monitored 24/7/365. These mechanisms reduce the risk of abuse but do not replace a comprehensive brand protection strategy beyond the MessageFlow infrastructure.
MessageFlow supports DORA requirements through risk and incident management processes, business continuity measures, monitoring, audits, dedicated ICT agreements, an addendum based on ZBP recommendations, and optional Compliance packages. This does not automatically make the customer’s entire organisation compliant.
SMS OTP can form one component of SCA, but the channel alone does not determine compliance. The entire process must meet the requirements for independent authentication factors and dynamic linking to the transaction.