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APIs · head to head

Increase vs Temenos Transact

Increase logo

Increase

APIs

Direct banking API for ACH, wires, real-time payments, accounts and cards

From
On request
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

  • Each has a real cost: Increase the published per transaction rates exclude a monthly platform fee that Increase states varies by use case, so the transparent price page cannot produce a total cost and the material part of the deal is still negotiated privately.; 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: Increase covers ACH origination and receipt, 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 Increase and Temenos Transact actually diverge.

Attributes where Increase and Temenos Transact differ
AttributeIncreaseTemenos Transact
PlatformsAPI, WebWeb, Linux, Windows, REST API

Identical on both: starting price (On request), pricing model (quote), free tier (No), 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 Increase

  • ACH origination and receipt
  • Domestic wires
  • Real-time payments
  • Bank accounts
  • Cards
  • Cheques
  • Sandbox and simulations
  • Audit and reconciliation data

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.

Increase

  • A payroll or treasury product that needs to originate same-day ACH and wires under its own control rather than through a payment processornot Temenos Transact
  • A marketplace that must hold seller balances in ledgered accounts with real account and routing numbersnot Temenos Transact
  • A fintech that wants FedNow and RTP payouts so recipients are paid outside banking hoursnot Temenos Transact
  • An engineering team that needs the underlying return codes and settlement timing visible in order to build correct reconciliation and retry logicnot Temenos Transact

Temenos Transact

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

Where each one falls short

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

Increase

  • The published per transaction rates exclude a monthly platform fee that Increase states varies by use case, so the transparent price page cannot produce a total cost and the material part of the deal is still negotiated privately.
  • Free allowances are deliberately small at ten account numbers and five physical cards, so any programme issuing accounts or cards at volume moves to quoted pricing almost immediately.
  • Banking is provided through partner banks, so programme approval, compliance obligations and the ability to launch at all depend on a bank relationship you do not control, and post-Synapse bank risk appetite has tightened considerably.
  • The API deliberately exposes payment rail mechanics rather than smoothing them, which is correct engineering but means a team without payments expertise will build reconciliation and return handling wrongly and only discover it when funds go astray.
  • Coverage is United States only, so a company with international payout needs runs a second provider and reconciles two ledgers, and the single API argument disappears at the first cross border customer.

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

Increase

On request
  • Increase Platform$undefined/month
    • Monthly fee quoted by use case and not published
    • Next-day ACH origination listed at 0.50 US dollars per transaction
    • Same-day ACH origination listed at 2.00 per transaction

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 Increase if

  • You need ach origination and receipt.
  • You work on API, Web.
  • You also want domestic wires.
Increase 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 Increase or Temenos Transact better?
Neither clearly leads. Increase starts at On request and Temenos Transact at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Increase or Temenos Transact?
Increase starts at On request and Temenos Transact at On request.
Does Increase or Temenos Transact run on more platforms?
Increase runs on API, Web. Temenos Transact runs on Web, Linux, Windows, REST API.
What is Increase best used for?
Increase is most often used for a payroll or treasury product that needs to originate same-day ach and wires under its own control rather than through a payment processor, a marketplace that must hold seller balances in ledgered accounts with real account and routing numbers, a fintech that wants fednow and rtp payouts so recipients are paid outside banking hours, an engineering team that needs the underlying return codes and settlement timing visible in order to build correct reconciliation and retry logic. Of those, a payroll or treasury product that needs to originate same-day ach and wires under its own control rather than through a payment processor and a marketplace that must hold seller balances in ledgered accounts with real account and routing numbers are not what Temenos Transact is typically brought in for.
What can Increase do that Temenos Transact cannot?
Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts. Temenos Transact covers Country model banks, Multi-product core, Payments processing, API layer.

Answered from the vendors’ own pages

Increase: Does Increase publish its pricing?

Partly. Per transaction fees for ACH, wires, RTP, FedNow and cards are listed publicly. The monthly platform fee is not, and it is described only as varying by use case.

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.

Increase: Who holds the deposits?

Partner banks, not Increase itself. That relationship determines your programme approval, your compliance obligations and your risk if the bank changes appetite.

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.

Increase: Is it international?

No. Increase covers United States rails only, so cross border payouts require a second provider.

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.

Increase: How is it different from a middleware BaaS platform?

It exposes the rails rather than abstracting them, showing real return codes and settlement timing. That suits teams who understand payments and punishes teams who do not.

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