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APIs · head to head

Prisma vs Temenos Transact

Prisma logo

Prisma

APIs

Modern ORM and API client for Node.js and TypeScript

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 Prisma has a free tier, so it costs nothing to try first.
  • Each has a real cost: Prisma prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage; 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: Prisma covers ORM, 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 Prisma and Temenos Transact actually diverge.

Attributes where Prisma and Temenos Transact differ
AttributePrismaTemenos Transact
Starting priceFreeOn request
Pricing modelusage-basedquote
Free tierYesNo
PlatformsNode.js, TypeScriptWeb, Linux, Windows, REST API
Founded2016Unknown

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 Prisma

  • ORM
  • Query builder
  • Auto-migrations
  • Node.js
  • TypeScript
  • GraphQL
  • REST APIs
  • Node.js 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.

Prisma

  • Using a type safe ORM and query layer against a Postgres databasenot Temenos Transact
  • Adding a managed connection pool and edge cache in front of an existing databasenot Temenos Transact

Temenos Transact

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

Where each one falls short

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

Prisma

  • Prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage
  • Starter at $10 a month includes 1M operations then charges $0.0080 per 1,000
  • Storage overage runs from $2.00 per GB on Starter down to $1.00 per GB on Business, so the unit cost depends on the plan
  • Accelerate charges separately per operation and per GiB of query egress beyond the first 1 KiB
  • Cache tag invalidations are not included below the Pro plan and are billed per thousand above it

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

Prisma

Free
  • FreeFree
    • 1M requests/month
    • 360 GB-hours memory
    • 4 vCPU-hours
  • Starter$10/month
    • 5M requests/month
    • 1M database operations ($8 per million overage)
    • 10 GB storage ($2/GB overage)
  • Pro$49/month
    • 20M requests/month
    • 10M operations ($2 per million overage)
    • 50 GB storage ($1.50/GB overage)
  • Business$129/month
    • 100M requests/month
    • 50M operations ($1 per million overage)
    • 100 GB storage

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 Prisma if

  • You need orm.
  • You want to start without paying.
  • You work on Node.js, TypeScript.
  • You also want query builder.
Prisma 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 Prisma or Temenos Transact better?
Neither clearly leads. Prisma 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, Prisma or Temenos Transact?
Prisma has a free tier; the other does not. Paid plans start at Free for Prisma and On request for Temenos Transact.
Does Prisma or Temenos Transact run on more platforms?
Prisma runs on Node.js, TypeScript. Temenos Transact runs on Web, Linux, Windows, REST API.
Can I use Prisma for free?
Yes. Prisma has a free tier, so you can try it without paying. Temenos Transact starts at On request.
What is Prisma best used for?
Prisma is most often used for using a type safe orm and query layer against a postgres database, adding a managed connection pool and edge cache in front of an existing database. Of those, using a type safe orm and query layer against a postgres database and adding a managed connection pool and edge cache in front of an existing database are not what Temenos Transact is typically brought in for.
What can Prisma do that Temenos Transact cannot?
Prisma covers ORM, Query builder, Auto-migrations, Node.js. Temenos Transact covers Country model banks, Multi-product core, Payments processing, API layer.

Answered from the vendors’ own pages

Prisma: How much does Prisma cost?

Prisma is free to start with 1M requests/month. The Starter plan costs $10/month with 5M requests, the Pro plan $49/month with 20M requests, and the Business plan $129/month with 100M requests. All plans have usage-based overages.

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.

Prisma: What is Prisma's overage pricing?

Prisma charges $1 per million requests over the included amount (Starter), $2 per million database operations overage (Pro and Starter), and $1.50-$2 per GB for storage overages depending on the plan. All plans include a hard spend limit on by default.

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.

Prisma: Does Prisma include data transfer costs?

No, Prisma includes unlimited data transfer with no egress fees on all plans. Prisma ORM remains free across all tiers.

Source
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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