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APIs · head to head

Stainless vs Temenos Transact

Stainless logo

Stainless

APIs

Generates client SDKs, API docs, and MCP servers from an OpenAPI spec

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 Stainless has a free tier, so it costs nothing to try first.
  • Each has a real cost: Stainless starter and Pro plan prices are not published and require contacting the company.; 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: Stainless covers SDK generation, 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 Stainless and Temenos Transact actually diverge.

Attributes where Stainless and Temenos Transact differ
AttributeStainlessTemenos Transact
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
Platformsweb, 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 Stainless

  • SDK generation
  • MCP server generation
  • Docs site generation
  • Webhooks and streaming support
  • Automated unit tests
  • Git integration

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.

Stainless

  • Generating typed SDKs for a public APInot Temenos Transact
  • Producing an MCP server from an existing OpenAPI specnot Temenos Transact
  • Building an API documentation site alongside client librariesnot Temenos Transact
  • Giving open-source APIs a free SDK generation pathnot Temenos Transact

Temenos Transact

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

Where each one falls short

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

Stainless

  • Starter and Pro plan prices are not published and require contacting the company.
  • The free plan caps APIs at 25 endpoints, which excludes larger production APIs.
  • Overage charges apply per SDK/endpoint/month once limits are exceeded, which can make costs unpredictable at scale.

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

Stainless

Free
  • FreeFree
    • Up to 5 generators (SDKs, docs, or MCP servers)
    • 5 seats
    • APIs with 25 or fewer endpoints
  • Starter$undefined/mo
    • Unlimited generators
    • Expanded seats
    • Private SDKs of any size
  • Pro$undefined/mo
    • Custom enterprise features and pricing
  • Enterprise$undefined/mo
    • Dedicated support
    • SOC 2 compliance reports
    • Purchase order/invoicing with negotiable terms

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 Stainless if

  • You need sdk generation.
  • You want to start without paying.
  • You work on web, api.
  • You also want mcp server generation.
Stainless 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 Stainless or Temenos Transact better?
Neither clearly leads. Stainless 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, Stainless or Temenos Transact?
Stainless has a free tier; the other does not. Paid plans start at Free for Stainless and On request for Temenos Transact.
Does Stainless or Temenos Transact run on more platforms?
Stainless runs on web, api. Temenos Transact runs on Web, Linux, Windows, REST API.
Can I use Stainless for free?
Yes. Stainless has a free tier, so you can try it without paying. Temenos Transact starts at On request.
What is Stainless best used for?
Stainless is most often used for generating typed sdks for a public api, producing an mcp server from an existing openapi spec, building an api documentation site alongside client libraries, giving open-source apis a free sdk generation path. Of those, generating typed sdks for a public api and producing an mcp server from an existing openapi spec are not what Temenos Transact is typically brought in for.
What can Stainless do that Temenos Transact cannot?
Stainless covers SDK generation, MCP server generation, Docs site generation, Webhooks and streaming support. Temenos Transact covers Country model banks, Multi-product core, Payments processing, API layer.

Answered from the vendors’ own pages

Stainless: Is there a free plan, and what are its limits?

Yes. The Free plan supports up to 5 generators, 5 seats, APIs with 25 or fewer endpoints, and 100 preview builds per month, with email support.

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.

Stainless: Who owns the generated SDK code?

The generated SDK code is owned by the customer and published by Stainless under the Apache 2.0 license.

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.

Stainless: What happens if I exceed my plan's endpoint limit?

Customers exceeding their endpoint limits are billed per SDK, per endpoint, per month for the overage.

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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