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APIs · head to head

Pusher vs Temenos Transact

Pusher logo

Pusher

APIs

Realtime messaging API for building live features into apps

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 Pusher has a free tier, so it costs nothing to try first.
  • Each has a real cost: Pusher the free Sandbox plan is capped at 100 concurrent connections, which is quickly outgrown by production apps.; 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: Pusher covers Pub/sub channels, 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 Pusher and Temenos Transact actually diverge.

Attributes where Pusher and Temenos Transact differ
AttributePusherTemenos Transact
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
Platformsweb, ios, android, apiWeb, Linux, Windows, REST API

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 Pusher

  • Pub/sub channels
  • Presence channels
  • Client libraries
  • Webhooks
  • 24/7 monitoring
  • Priority 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.

Pusher

  • Adding live chat to a web or mobile appnot Temenos Transact
  • Showing realtime presence of online usersnot Temenos Transact
  • Pushing live notifications or dashboard updatesnot Temenos Transact
  • Building collaborative features without managing WebSocket serversnot Temenos Transact

Temenos Transact

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

Where each one falls short

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

Pusher

  • The free Sandbox plan is capped at 100 concurrent connections, which is quickly outgrown by production apps.
  • Pricing jumps sharply between tiers (e.g. $49 to $99 to $299), leaving few options for teams with moderate but growing usage.
  • Priority support with faster response times costs an additional $3,000/month on top of plan 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.
  • 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

Pusher

Free
  • SandboxFree
    • 200k messages/day
    • 100 concurrent connections
    • Standard support
  • Startup$49/month
    • 1M messages/day
    • 500 concurrent connections
  • Pro$99/month
    • 4M messages/day
    • 2,000 concurrent connections
  • Business$299/month
    • 10M messages/day
    • 5,000 concurrent connections
    • Premium 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 Pusher if

  • You need pub/sub channels.
  • You want to start without paying.
  • You work on web, ios, android, api.
  • You also want presence channels.
Pusher 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 Pusher or Temenos Transact better?
Neither clearly leads. Pusher 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, Pusher or Temenos Transact?
Pusher has a free tier; the other does not. Paid plans start at Free for Pusher and On request for Temenos Transact.
Does Pusher or Temenos Transact run on more platforms?
Pusher runs on web, ios, android, api. Temenos Transact runs on Web, Linux, Windows, REST API.
Can I use Pusher for free?
Yes. Pusher has a free tier, so you can try it without paying. Temenos Transact starts at On request.
What is Pusher best used for?
Pusher is most often used for adding live chat to a web or mobile app, showing realtime presence of online users, pushing live notifications or dashboard updates, building collaborative features without managing websocket servers. Of those, adding live chat to a web or mobile app and showing realtime presence of online users are not what Temenos Transact is typically brought in for.
What can Pusher do that Temenos Transact cannot?
Pusher covers Pub/sub channels, Presence channels, Client libraries, Webhooks. Temenos Transact covers Country model banks, Multi-product core, Payments processing, API layer.

Answered from the vendors’ own pages

Pusher: What does Pusher cost?

Pusher Channels offers a free Sandbox plan (200k messages/day, 100 connections) and paid plans starting at $49/month for Startup, scaling up through Pro, Business, and several higher tiers up to $1,199/month, plus custom Enterprise pricing.

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.

Pusher: Can I change or cancel my plan?

Yes, customers can log into the dashboard and adjust their plan at any time, including upgrading, downgrading, or cancelling.

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.

Pusher: How is usage metered?

Usage is measured by concurrent connections and messages per day; a message counts both the publish and each delivery, so publishing one message to 50 subscribers counts as 51 messages.

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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