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APIs · head to head

Spring Cloud Gateway vs Temenos Transact

Spring Cloud Gateway logo

Spring Cloud Gateway

APIs

API gateway built on Project Reactor for building microservices

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 Spring Cloud Gateway has a free tier, so it costs nothing to try first.
  • Each has a real cost: Spring Cloud Gateway released under the Apache 2.0 license, free and open source with no commercial tier; 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: Spring Cloud Gateway covers Routing, 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 Spring Cloud Gateway and Temenos Transact actually diverge.

Attributes where Spring Cloud Gateway and Temenos Transact differ
AttributeSpring Cloud GatewayTemenos Transact
Starting priceFreeOn request
Pricing modelopen-sourcequote
Free tierYesNo
PlatformsJava, Spring BootWeb, Linux, Windows, REST API
Founded1998Unknown

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 Spring Cloud Gateway

  • Routing
  • Path Rewriting
  • Circuit Breaker
  • Spring Boot
  • Spring Security
  • Spring Cloud
  • Java support
  • Spring Boot 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.

Spring Cloud Gateway

  • 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 Spring Cloud Gateway
  • An institution running Islamic banking products alongside conventional ones on one corenot Spring Cloud Gateway
  • A bank that needs a large pool of experienced implementation consultants to de-risk a migrationnot Spring Cloud Gateway
  • A group standardising subsidiaries in several countries onto one core banking systemnot Spring Cloud Gateway

Where each one falls short

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

Spring Cloud Gateway

  • Released under the Apache 2.0 license, free and open source with no commercial tier

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

Spring Cloud Gateway

Free
  • Open SourceFree
    • Core Spring Cloud Gateway
    • Community 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 Spring Cloud Gateway if

  • You need routing.
  • You want to start without paying.
  • You work on Java, Spring Boot.
  • You also want path rewriting.
Spring Cloud Gateway 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 Spring Cloud Gateway or Temenos Transact better?
Neither clearly leads. Spring Cloud Gateway 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, Spring Cloud Gateway or Temenos Transact?
Spring Cloud Gateway has a free tier; the other does not. Paid plans start at Free for Spring Cloud Gateway and On request for Temenos Transact.
Does Spring Cloud Gateway or Temenos Transact run on more platforms?
Spring Cloud Gateway runs on Java, Spring Boot. Temenos Transact runs on Web, Linux, Windows, REST API.
Can I use Spring Cloud Gateway for free?
Yes. Spring Cloud Gateway has a free tier, so you can try it without paying. Temenos Transact starts at On request.
What is Spring Cloud Gateway best used for?
Spring Cloud Gateway 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 Spring Cloud Gateway do that Temenos Transact cannot?
Spring Cloud Gateway covers Routing, Path Rewriting, Circuit Breaker, Spring Boot. Temenos Transact covers Country model banks, Multi-product core, Payments processing, API layer.

Answered from the vendors’ own pages

Spring Cloud Gateway: Is Spring Cloud Gateway free?

Yes, Spring Cloud Gateway is free and open-source software. It is part of the Spring ecosystem and available through GitHub repositories with open-source dependencies like spring-cloud-starter-gateway-server-webflux and spring-cloud-starter-gateway-server-webmvc.

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.

Spring Cloud Gateway: What enterprise support is available for Spring Cloud Gateway?

Tanzu Spring provides optional enterprise support including Day 0 access to security patches for organizations requiring guaranteed support, but specific pricing is not published on the Spring Cloud Gateway project page.

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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