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APIs · head to head

Episode Six vs Temenos Transact

Episode Six logo

Episode Six

APIs

Payment processing and ledger platform deployable on premise or in your own cloud

From
On request
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

  • Each has a real cost: Episode Six deployment on premise or in a private tenancy means the institution carries infrastructure, upgrade and PCI scope work that a hosted processor would absorb.; 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: Episode Six covers Tritium API platform, 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 Episode Six and Temenos Transact actually diverge.

Attributes where Episode Six and Temenos Transact differ
AttributeEpisode SixTemenos Transact
PlatformsWeb, API, On-premiseWeb, Linux, Windows, REST API

Identical on both: starting price (On request), pricing model (quote), free tier (No), 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 Episode Six

  • Tritium API platform
  • Flexible deployment
  • Multi product issuing
  • Digital wallets
  • Multi currency ledger
  • Network connectivity
  • Configurable product engine
  • Institutional controls

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.

Episode Six

  • A bank in a jurisdiction with data residency rules that forbid processing customer data in a shared multi tenant cloudnot Temenos Transact
  • A large institution replacing a legacy card processor without moving off its own infrastructurenot Temenos Transact
  • A telco or airline launching a branded wallet and card product at national scalenot Temenos Transact
  • A bank running prepaid, debit and credit products that wants them on one ledger rather than three processorsnot Temenos Transact

Temenos Transact

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

Where each one falls short

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

Episode Six

  • Deployment on premise or in a private tenancy means the institution carries infrastructure, upgrade and PCI scope work that a hosted processor would absorb.
  • Implementation runs to quarters and involves core banking, network certification and fraud system integration, so time to first card is far longer than with a self serve issuer processor.
  • Pricing is entirely bespoke and weighted to large programmes, which prices out fintechs and small issuers who would be better served by a hosted platform.
  • Being smaller than the incumbent processors, its network certifications and operational presence vary by region, so a global rollout can find gaps in specific markets.
  • The flexibility of six hundred APIs and a configurable product engine shifts design responsibility onto the buyer, and institutions without strong internal payments architects end up dependent on professional services.

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

Episode Six

On request
  • Tritium platform$undefined/year
    • Licence and implementation quoted per institution
    • Deployment model affects cost materially: on premise, private cloud or hosted
    • Processing fees typically per transaction or per active card

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 Episode Six if

  • You need tritium api platform.
  • You work on Web, API, On-premise.
  • You also want flexible deployment.
Episode Six 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 Episode Six or Temenos Transact better?
Neither clearly leads. Episode Six starts at On request and Temenos Transact at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Episode Six or Temenos Transact?
Episode Six starts at On request and Temenos Transact at On request.
Does Episode Six or Temenos Transact run on more platforms?
Episode Six runs on Web, API, On-premise. Temenos Transact runs on Web, Linux, Windows, REST API.
What is Episode Six best used for?
Episode Six is most often used for a bank in a jurisdiction with data residency rules that forbid processing customer data in a shared multi tenant cloud, a large institution replacing a legacy card processor without moving off its own infrastructure, a telco or airline launching a branded wallet and card product at national scale, a bank running prepaid, debit and credit products that wants them on one ledger rather than three processors. Of those, a bank in a jurisdiction with data residency rules that forbid processing customer data in a shared multi tenant cloud and a large institution replacing a legacy card processor without moving off its own infrastructure are not what Temenos Transact is typically brought in for.
What can Episode Six do that Temenos Transact cannot?
Episode Six covers Tritium API platform, Flexible deployment, Multi product issuing, Digital wallets. Temenos Transact covers Country model banks, Multi-product core, Payments processing, API layer.

Answered from the vendors’ own pages

Episode Six: Can Episode Six run inside our own data centre?

Yes. On premise and private cloud deployment is the main reason banks choose it over hosted only processors.

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.

Episode Six: Is it suitable for a startup issuing its first cards?

Not really. The licence, implementation timeline and cost are aimed at banks and large institutions.

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.

Episode Six: Do we still need a card licence or sponsor?

Yes. Episode Six is a processor. Network membership, licensing or a sponsor arrangement remains your responsibility.

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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