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Databases · head to head

Solace PubSub+ vs Temenos Transact

Solace PubSub+ logo

Solace PubSub+

Databases

Multi-protocol event broker sold as software, cloud service or a hardware appliance

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 Solace PubSub+ has a free tier, so it costs nothing to try first.
  • Each has a real cost: Solace PubSub+ no pricing is published at any tier, so evaluation requires a sales engagement before you can even judge whether it is in budget, and broker tier sizing determines cost in ways buyers frequently get wrong.; 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: Solace PubSub+ covers Multi-protocol broker, 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 Solace PubSub+ and Temenos Transact actually diverge.

Attributes where Solace PubSub+ and Temenos Transact differ
AttributeSolace PubSub+Temenos Transact
Starting priceFreeOn request
Free tierYesNo
PlatformsLinux, Docker, Kubernetes, Cloud, Hardware applianceWeb, Linux, Windows, REST API
CategoryDatabasesAPIs

Identical on both: pricing model (quote), user rating (Not yet rated).

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 Solace PubSub+

  • Multi-protocol broker
  • Dynamic message routing
  • Hardware appliance
  • Event Portal
  • Guaranteed delivery
  • Mission Control
  • Topic hierarchies and wildcards
  • Kafka and MQ bridging

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.

Solace PubSub+

  • A bank building an event mesh across regions where a Java JMS application and an MQTT mobile client must share the same topic spacenot Temenos Transact
  • An exchange or trading platform with a latency budget that needs the hardware appliance rather than a software brokernot Temenos Transact
  • An airline distributing operational events to ground systems, aircraft and partner APIs over different protocolsnot Temenos Transact
  • A manufacturer bridging factory MQTT telemetry into an enterprise Kafka estate without writing translation servicesnot Temenos Transact

Temenos Transact

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

Where each one falls short

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

Solace PubSub+

  • No pricing is published at any tier, so evaluation requires a sales engagement before you can even judge whether it is in budget, and broker tier sizing determines cost in ways buyers frequently get wrong.
  • The free Standard edition has hard capacity and support limits, which makes it useful for development but means any real deployment triggers a commercial negotiation.
  • The proprietary SMF protocol gives the best performance and feature coverage, so teams that lean on it acquire real switching costs even though open protocols are supported.
  • Operating a self-managed high availability broker pair with disaster recovery is a specialist task, and Solace expertise is scarce in the hiring market compared with Kafka skills.
  • Event Portal and Mission Control are licensed as part of platform packages, so the governance tooling that makes an event mesh manageable is not simply included with the broker.

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

Solace PubSub+

Free
  • Software Event Broker StandardFree
    • Free for production within capacity limits
    • Single node, capped connections and queues
    • No vendor support
  • Solace Cloud$undefined/year
    • Managed brokers in tiers from ENT-250 to ENT-100K
    • Foundation, Accelerate and Scale platform packages
    • Fixed subscription or annual consumption drawdown
  • Software Enterprise self-managed$undefined/year
    • Deploy in your own Kubernetes, VMs or data centre
    • High availability and disaster recovery
    • Support with SLA
  • Hardware appliance$undefined/year
    • Purpose-built appliance with FPGA message offload
    • Deterministic low latency
    • Sold with support contract

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 Solace PubSub+ if

  • You need multi-protocol broker.
  • You want to start without paying.
  • You work on Linux, Docker, Kubernetes, Cloud, Hardware appliance.
  • You also want dynamic message routing.
Solace PubSub+ 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 Solace PubSub+ or Temenos Transact better?
Neither clearly leads. Solace PubSub+ 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, Solace PubSub+ or Temenos Transact?
Solace PubSub+ has a free tier; the other does not. Paid plans start at Free for Solace PubSub+ and On request for Temenos Transact.
Does Solace PubSub+ or Temenos Transact run on more platforms?
Solace PubSub+ runs on Linux, Docker, Kubernetes, Cloud, Hardware appliance. Temenos Transact runs on Web, Linux, Windows, REST API.
Can I use Solace PubSub+ for free?
Yes. Solace PubSub+ has a free tier, so you can try it without paying. Temenos Transact starts at On request.
What is Solace PubSub+ best used for?
Solace PubSub+ is most often used for a bank building an event mesh across regions where a java jms application and an mqtt mobile client must share the same topic space, an exchange or trading platform with a latency budget that needs the hardware appliance rather than a software broker, an airline distributing operational events to ground systems, aircraft and partner apis over different protocols, a manufacturer bridging factory mqtt telemetry into an enterprise kafka estate without writing translation services. Of those, a bank building an event mesh across regions where a java jms application and an mqtt mobile client must share the same topic space and an exchange or trading platform with a latency budget that needs the hardware appliance rather than a software broker are not what Temenos Transact is typically brought in for.
What can Solace PubSub+ do that Temenos Transact cannot?
Solace PubSub+ covers Multi-protocol broker, Dynamic message routing, Hardware appliance, Event Portal. Temenos Transact covers Country model banks, Multi-product core, Payments processing, API layer.

Answered from the vendors’ own pages

Solace PubSub+: Is there a free version of Solace?

Yes, the Standard edition of the software event broker is free for production within capacity limits, with no vendor support.

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.

Solace PubSub+: Does Solace publish prices?

No. Cloud, software and appliance are all quoted, based on broker tier from ENT-250 to ENT-100K and licensing model.

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.

Solace PubSub+: Why buy an appliance in 2026?

Deterministic low latency with message processing offloaded to hardware, which matters in capital markets and little elsewhere.

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.

Solace PubSub+: Can it replace Kafka?

Not for log retention and stream reprocessing. It is stronger at multi-protocol routing and guaranteed delivery, and the two are often bridged.

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