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APIs · head to head

Hoppscotch vs Temenos Transact

Hoppscotch logo

Hoppscotch

APIs

Open-source API development ecosystem with web-based REST client

From
Free
Rated
-
Full reviewWebsite
Temenos Transact logo

Temenos Transact

APIs

Established core banking system used by banks in over a hundred countries

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Hoppscotch has a free tier, so it costs nothing to try first.
  • Each has a real cost: Hoppscotch open-source project with no published commercial support plans or pricing; Temenos Transact the codebase originates in the 1990s, so banks on older releases face major upgrade programmes to reach current versions, and many defer them for years.
  • They diverge on capability: Hoppscotch covers REST Client, Temenos Transact covers Country model banks.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Hoppscotch and Temenos Transact actually diverge.

Attributes where Hoppscotch and Temenos Transact differ
AttributeHoppscotchTemenos Transact
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
PlatformsWeb, Desktop, Self-hostedWeb, Linux, Windows, REST API
Founded2019Unknown

Identical on both: user rating (Not yet rated), category (APIs).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Hoppscotch

  • REST Client
  • WebSocket
  • gRPC Client
  • GitHub
  • Documentation tools
  • CI/CD
  • Web support
  • Desktop support

Only in Temenos Transact

  • Country model banks
  • Multi-product core
  • Payments processing
  • API layer
  • Cloud deployment
  • Accounting engine

What people use each for

The jobs each tool is most often brought in to do.

Hoppscotch

  • API Developmentnot Temenos Transact
  • API Gatewaynot Temenos Transact
  • API Testingnot Temenos Transact
  • API Documentationnot Temenos Transact
  • Microservicesnot Temenos Transact

Temenos Transact

  • A bank in an emerging market needing local regulatory compliance without building it from scratchnot Hoppscotch
  • An institution running Islamic banking products alongside conventional ones on one corenot Hoppscotch
  • A bank that needs a large pool of experienced implementation consultants to de-risk a migrationnot Hoppscotch
  • A group standardising subsidiaries in several countries onto one core banking systemnot Hoppscotch

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Hoppscotch

  • Open-source project with no published commercial support plans or pricing
  • No official enterprise tier or SLA information disclosed

Temenos Transact

  • The codebase originates in the 1990s, so banks on older releases face major upgrade programmes to reach current versions, and many defer them for years.
  • Total cost is dominated by implementation partner fees rather than licence, and those programmes routinely overrun their original estimates.
  • Product changes that cloud-native cores treat as configuration can require development work and a release cycle, which slows time to market for new products.
  • Heavy customisation is common and it makes every subsequent upgrade harder, creating a compounding cost that banks feel a decade after go-live.
  • Temenos has repeatedly restructured its product line and naming, so buyers must check carefully which components a proposal actually includes and which are separately licensed.

Pricing, plan by plan

Hoppscotch

Free
  • Open SourceFree
    • Full REST client
    • WebSocket support
    • Community
  • Teams$8/monthly
    • Team collaboration
    • Cloud sync
    • Priority support

Temenos Transact

On request
  • Temenos Transact$undefined/year
    • Perpetual or subscription licence scaled by assets, accounts or users
    • Annual maintenance typically a percentage of licence value
    • Implementation delivered by partners and charged separately

Which should you pick?

Choose Hoppscotch if

  • You need rest client.
  • You want to start without paying.
  • You work on Web, Desktop, Self-hosted.
  • You also want websocket.
Hoppscotch review

Choose Temenos Transact if

  • You need country model banks.
  • You work on Web, Linux, Windows, REST API.
  • You also want multi-product core.
Temenos Transact review

Questions people ask

Is Hoppscotch or Temenos Transact better?
Neither clearly leads. Hoppscotch starts at Free and Temenos Transact at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Hoppscotch or Temenos Transact?
Hoppscotch has a free tier; the other does not. Paid plans start at Free for Hoppscotch and On request for Temenos Transact.
Does Hoppscotch or Temenos Transact run on more platforms?
Hoppscotch runs on Web, Desktop, Self-hosted. Temenos Transact runs on Web, Linux, Windows, REST API.
Can I use Hoppscotch for free?
Yes. Hoppscotch has a free tier, so you can try it without paying. Temenos Transact starts at On request.
What is Hoppscotch best used for?
Hoppscotch is most often used for api development, api gateway, api testing, api documentation. Of those, api development and api gateway are not what Temenos Transact is typically brought in for.
What can Hoppscotch do that Temenos Transact cannot?
Hoppscotch covers REST Client, WebSocket, gRPC Client, GitHub. Temenos Transact covers Country model banks, Multi-product core, Payments processing, API layer.

Answered from the vendors’ own pages

Hoppscotch: Is Hoppscotch free to use for API development?

Yes, Hoppscotch is a completely free, open-source API development ecosystem. There are no subscription fees, license costs, or registration requirements to access the core platform.

Source
Temenos Transact: Is Transact the same as T24?

Yes. T24 was renamed Temenos Transact; older installations and much of the consultant population still use the T24 name.

Hoppscotch: Can I deploy Hoppscotch on my own infrastructure?

As an open-source project, Hoppscotch can be self-hosted and deployed on your own infrastructure. The source code is available for customization and deployment in private environments.

Source
Temenos Transact: Can it run in the cloud?

Yes, it is offered on public cloud, though many existing installations remain on-premises and moving them is a project.

Temenos Transact: What drives the cost?

Licence scaled by size, annual maintenance as a percentage of licence, and implementation partner fees that usually exceed the software cost.

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