Softwr

APIs · head to head

Stoplight vs Temenos Transact

Stoplight logo

Stoplight

APIs

API design, documentation, and governance platform

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 Stoplight has a free tier, so it costs nothing to try first.
  • Each has a real cost: Stoplight the free plan allows one project and one user; 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: Stoplight covers API Design, 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 Stoplight and Temenos Transact actually diverge.

Attributes where Stoplight and Temenos Transact differ
AttributeStoplightTemenos Transact
Starting priceFreeOn request
Pricing modelsubscriptionquote
Free tierYesNo
PlatformsWeb, CloudWeb, Linux, Windows, REST API
Founded2014Unknown

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 Stoplight

  • API Design
  • API Documentation
  • Governance
  • GitHub
  • GitLab
  • Jenkins
  • Azure DevOps
  • Web 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.

Stoplight

  • API design and documentationnot Temenos Transact
  • API governance and standardsnot Temenos Transact
  • Team collaboration on API developmentnot Temenos Transact
  • API mocking and testingnot Temenos Transact

Temenos Transact

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

Where each one falls short

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

Stoplight

  • The free plan allows one project and one user
  • Private projects, multi branch support and custom domains start at the Startup plan, $113 a month billed annually
  • SSO and shared style guides are Pro Team only, at $362 a month billed annually
  • Seats beyond each plan's allowance are $11 to $27 each per month depending on tier and billing period

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

Stoplight

Free
  • FreeFree
    • 1 project
    • 1 user
    • Basic API design and documentation features
  • Basic$56/month
    • Annual: $44/user/year
    • 3 included users; $14 per additional user (monthly)
    • Unlimited projects
  • Startup$147/month
    • Annual: $113/user/year
    • 8 included users; $14 per additional user (monthly)
    • Private projects
  • Pro Team$453/month
    • Annual: $362/user/year
    • 15 included users; $27 per additional user (monthly)
    • Up to 20 teams

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 Stoplight if

  • You need api design.
  • You want to start without paying.
  • You work on Web, Cloud.
  • You also want api documentation.
Stoplight 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 Stoplight or Temenos Transact better?
Neither clearly leads. Stoplight 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, Stoplight or Temenos Transact?
Stoplight has a free tier; the other does not. Paid plans start at Free for Stoplight and On request for Temenos Transact.
Does Stoplight or Temenos Transact run on more platforms?
Stoplight runs on Web, Cloud. Temenos Transact runs on Web, Linux, Windows, REST API.
Can I use Stoplight for free?
Yes. Stoplight has a free tier, so you can try it without paying. Temenos Transact starts at On request.
What is Stoplight best used for?
Stoplight is most often used for api design and documentation, api governance and standards, team collaboration on api development, api mocking and testing. Of those, api design and documentation and api governance and standards are not what Temenos Transact is typically brought in for.
What can Stoplight do that Temenos Transact cannot?
Stoplight covers API Design, API Documentation, Governance, GitHub. Temenos Transact covers Country model banks, Multi-product core, Payments processing, API layer.

Answered from the vendors’ own pages

Stoplight: How much does Stoplight cost?

Stoplight starts with a free plan (1 project, 1 user), then Basic at $56/month per user (or $44/year), Startup at $147/month per user (or $113/year), Pro Team at $453/month per user (or $362/year), and Enterprise at custom 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.

Stoplight: How many included users are in each Stoplight plan?

Basic includes 3 users, Startup includes 8 users, and Pro Team includes 15 users. Additional users beyond the included count cost $14/month for Basic and Startup, or $27/month for Pro Team.

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.

Stoplight: Does Stoplight offer a free trial?

Yes, all paid Stoplight plans include a 14-day free trial. The free plan has no trial period as it is always available.

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.

Stoplight: Does Stoplight's free plan have limitations?

Yes, the free plan includes only 1 project and 1 user. Users viewing public documentation anonymously are not counted toward the 1-user limit.

Source
Share

Related pages

More on Stoplight

More on Temenos Transact

Keep looking

Other head to heads