Temenos Transact

Core banking APIs from Temenos Transact, providing comprehensive banking functionality including accounts, transactions, payments, loans, and customer management.

Temenos Transact publishes 13 API contracts indexed on the APIs.io network, including Accounts API, Beneficiaries API, Cards API, and 10 more. Tagged areas include Banking, Core Banking, Digital Banking, Enterprise, and Financial Services.

The Temenos Transact catalog on APIs.io includes 2 JSON-LD contexts and 2 Spectral governance rulesets.

Temenos Transact’s developer surface includes authentication, developer portal, getting-started guide, documentation, engineering blog, signup flow, support, and 15 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

39.6/100 developing ▬ flat Agent 27/100 agent aware Heartbeat 0/100 dormant saas Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

AccessEnterpriseSelf serve

1 published contract 5 Features 4 Use Cases

Banking Core Banking Digital Banking Enterprise Financial Services Fintech

What this lets a business do 5

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management

BC-1340

CardsPayments

POST /order/fundTransfers POST /order/paymentOrders POST /order/standingOrders GET /holdings/cards

Deposits & Savings Management

BC-1330

AccountsDeposits

GET /holdings/accounts PUT /holdings/accounts/{accountId} GET /holdings/deposits

Banking Customer Management

BC-1300

Customers

POST /party/customers PUT /party/customers/{customerId}

Credit & Lending Management

BC-1320

Loans

GET /holdings/loans GET /holdings/loans/{loanId}

Banking Product Management

BC-1310

Products

GET /product/products

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 39.6/100 · developing

Contract Quality 12.1 / 19

Developer Ergonomics 7.3 / 15

Access Clarity 4.2 / 15

Operational Transparency 1.6 / 10

Contract Governance 1.2 / 9

Discoverability 4.8 / 8

Regulatory Posture 1.8 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 27/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship Ask about this →
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented) Ask about this →
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link Ask about this →
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document Ask about this →
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented) Ask about this →

7 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 27.7 — up to +14.5 composite points Ask about this →
Operational Transparency scores 16.7 — up to +10.8 composite points Ask about this →
Contract Governance scores 13.6 — up to +10.4 composite points Ask about this →

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/temenos-transact/apis.yml: open an issue on github.com/api-evangelist/temenos-transact to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 13

Individual APIs this provider publishes, each with its own machine-readable definition.

Temenos Transact Microservices APIs

APIs for Temenos Transact microservices including callback registry, configuration management, user entitlements, and service orchestration for building event-driven and composa...

Temenos Transact Data Hub APIs

High-performance APIs built on the near real-time Analytics Data Store and Operational Data Store from Temenos Transact Data Hub, providing banking-specific analytical and opera...

Temenos Operational Data Store APIs

APIs built on the near real-time Operational Data Store from Temenos Transact Data Hub, presenting data in specific formats for operational and API use cases utilizing real-time...

Temenos Transact Accounts API

Manage customer accounts created using the Arrangement Architecture including current accounts, savings accounts, corporate accounts, Islamic accounts, non-resident and minor ac...

Temenos Transact Beneficiaries API

Manage payment beneficiaries including domestic and international beneficiary registration, validation, and maintenance.

Temenos Transact Cards API

Manage debit and credit card operations including card issuance, activation, blocking, and limit management.

Temenos Transact Customers API

Create, update, and manage customer profiles, contact details, KYC documentation, compliance records, communication preferences, and party relationships.

Temenos Transact Deposits API

Manage deposit arrangements including term deposits, savings deposits, and fixed deposit products with maturity tracking and renewal capabilities.

Temenos Transact Loans API

Create and manage loan arrangements, credit facilities, repayment schedules, drawdowns, and loan lifecycle operations.

Temenos Transact Payments API

Process fund transfers, standing orders, direct debits, payment orders, sweeps, and cross-border payments. Includes payment validation, cost calculation, status tracking, and ca...

Temenos Transact Products API

Browse the product catalog and retrieve product conditions, eligibility criteria, and arrangement details.

Temenos Transact Reference Data API

Access system-wide lookup and configuration data including currencies, countries, IBAN/BIC validation, interest rate tables, and balance type definitions.

Temenos Transact Transactions API

Retrieve transaction history, statement details, and account activity records for all account types and arrangements.

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Open Collections 11

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Temenos Transact Core Banking Accounts API

OPEN COLLECTION

Temenos Transact Core Banking Accounts Beneficiaries API

OPEN COLLECTION

Temenos Transact Core Banking Accounts Cards API

OPEN COLLECTION

Temenos Transact Core Banking API

OPEN COLLECTION

Temenos Transact Core Banking Accounts Customers API

OPEN COLLECTION

Temenos Transact Core Banking Accounts Deposits API

OPEN COLLECTION

Temenos Transact Core Banking Accounts Loans API

OPEN COLLECTION

Temenos Transact Core Banking Accounts Payments API

OPEN COLLECTION

Temenos Transact Core Banking Accounts Products API

OPEN COLLECTION

Temenos Transact Core Banking Accounts Reference Data API

OPEN COLLECTION

Temenos Transact Core Banking Accounts Transactions API

OPEN COLLECTION

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Temenos Transact API pricing

Not yet checked against Temenos Transact's own pricing page. Compiled by API Evangelist on 2026-05-05 from www.temenos.com/products/core-banking/transact/; confirm before you rely on a figure.

Plan	Price
Contact Sales enterprise	—

Plan details, limits and sources →

Rate limits

Deployment-Defined: defined per Temenos Transact deployment / customer contract varies

Compiled by API Evangelist, not yet checked against Temenos Transact's documentation. Rate-limit details →

Pricing Plans 1

Published pricing tiers and plan structures.

Temenos Transact Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Temenos Transact Rate Limits

1 limits

RATE LIMITS

Privacy & Data 1

Its role, the data it processes, retention and transfers, quoted from its own privacy page.

Temenos Transact

13 quoted statements, read from Temenos Transact's own page on 2026-11-10.

PRIVACY

FinOps 1

Cost, billing, and metering signals for API financial operations.

Temenos Transact Finops

FINOPS

Features 5

Notable capabilities this provider offers.

Arrangement Architecture

Modular, component-based framework enabling reusable product components across retail, corporate, treasury, wealth, and Islamic banking.

Multi-Currency Support

Full support for multi-currency accounts, payments, and exchange rate management with ISO 4217 compliance.

KYC and AML Compliance

Built-in customer verification, AML checks, and compliance tracking for regulatory requirements.

Real-Time Payments

Support for SEPA, SWIFT, ACH, RTGS, and domestic clearing payment types with real-time processing.

Product Catalog

Configurable product catalog with conditions, eligibility criteria, and arrangement details for banking products.

Semantic Vocabularies 2

JSON-LD contexts and semantic vocabularies used across these APIs.

Temenos Transact Context

31 classes · 121 properties

JSON-LD

Temenos Transact Core Banking Context

0 classes · 0 properties

JSON-LD

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs. Counts are the severity each rule declares, not results of running them.

Temenos Transact — jsonschema rules

6 rules · 4 warn-severity 2 info-severity

SPECTRAL

Temenos Transact API Rules

18 rules · 8 error-severity 9 warn-severity 1 info-severity

SPECTRAL

JSON Schema 49

Standalone JSON Schema definitions for this provider's data models.

AccountBalancesResponse

0 properties

JSON SCHEMA

AccountBalances

10 properties

JSON SCHEMA

AccountDetailsResponse

0 properties

JSON SCHEMA

Account

16 properties

JSON SCHEMA

AccountUpdateRequest

2 properties

JSON SCHEMA

AccountsResponse

1 properties

JSON SCHEMA

Address

7 properties

JSON SCHEMA

BeneficiariesResponse

1 properties

JSON SCHEMA

BeneficiaryCreateRequest

2 properties

JSON SCHEMA

BeneficiaryResponse

0 properties

JSON SCHEMA

Beneficiary

12 properties

JSON SCHEMA

CardDetailsResponse

0 properties

JSON SCHEMA

Card

10 properties

JSON SCHEMA

CardsResponse

1 properties

JSON SCHEMA

CountriesResponse

1 properties

JSON SCHEMA

Country

5 properties

JSON SCHEMA

CurrenciesResponse

1 properties

JSON SCHEMA

Currency

7 properties

JSON SCHEMA

CustomerCreateRequest

2 properties

JSON SCHEMA

CustomerDetailsResponse

0 properties

JSON SCHEMA

Customer

22 properties

JSON SCHEMA

CustomerUpdateRequest

2 properties

JSON SCHEMA

CustomersResponse

1 properties

JSON SCHEMA

DepositDetailsResponse

0 properties

JSON SCHEMA

Deposit

14 properties

JSON SCHEMA

DepositsResponse

1 properties

JSON SCHEMA

ErrorResponse

2 properties

JSON SCHEMA

FundTransferRequest

2 properties

JSON SCHEMA

FundTransferResponse

0 properties

JSON SCHEMA

FundTransfer

16 properties

JSON SCHEMA

IbanValidationResponse

1 properties

JSON SCHEMA

LoanDetailsResponse

0 properties

JSON SCHEMA

Loan

17 properties

JSON SCHEMA

LoansResponse

1 properties

JSON SCHEMA

PaginationInfo

3 properties

JSON SCHEMA

PaymentOrderRequest

2 properties

JSON SCHEMA

PaymentOrderResponse

0 properties

JSON SCHEMA

PaymentOrder

19 properties

JSON SCHEMA

PaymentOrdersResponse

1 properties

JSON SCHEMA

Product

9 properties

JSON SCHEMA

ProductsResponse

1 properties

JSON SCHEMA

ResponseHeader

4 properties

JSON SCHEMA

StandingOrderRequest

2 properties

JSON SCHEMA

StandingOrderResponse

0 properties

JSON SCHEMA

StandingOrder

13 properties

JSON SCHEMA

StandingOrdersResponse

1 properties

JSON SCHEMA

Transaction

18 properties

JSON SCHEMA

TransactionsResponse

1 properties

JSON SCHEMA

Temenos Transact Banking Transaction

24 properties

JSON SCHEMA

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JSON Structure 48

JSON Structure definitions describing this provider's data shapes.

Temenos Transact Core Banking Account Balances Response Structure

0 properties

JSON STRUCTURE

Temenos Transact Core Banking Account Balances Structure

10 properties

JSON STRUCTURE

Temenos Transact Core Banking Account Details Response Structure

0 properties

JSON STRUCTURE

Temenos Transact Core Banking Account Structure

16 properties

JSON STRUCTURE

Temenos Transact Core Banking Account Update Request Structure

2 properties

JSON STRUCTURE

Temenos Transact Core Banking Accounts Response Structure

1 properties

JSON STRUCTURE

Temenos Transact Core Banking Address Structure

7 properties

JSON STRUCTURE

Temenos Transact Core Banking Beneficiaries Response Structure

1 properties

JSON STRUCTURE

Temenos Transact Core Banking Beneficiary Create Request Structure

2 properties

JSON STRUCTURE

Temenos Transact Core Banking Beneficiary Response Structure

0 properties

JSON STRUCTURE

Temenos Transact Core Banking Beneficiary Structure

12 properties

JSON STRUCTURE

Temenos Transact Core Banking Card Details Response Structure

0 properties

JSON STRUCTURE

Temenos Transact Core Banking Card Structure

10 properties

JSON STRUCTURE

Temenos Transact Core Banking Cards Response Structure

1 properties

JSON STRUCTURE

Temenos Transact Core Banking Countries Response Structure

1 properties

JSON STRUCTURE

Temenos Transact Core Banking Country Structure

5 properties

JSON STRUCTURE

Temenos Transact Core Banking Currencies Response Structure

1 properties

JSON STRUCTURE

Temenos Transact Core Banking Currency Structure

7 properties

JSON STRUCTURE

Temenos Transact Core Banking Customer Create Request Structure

2 properties

JSON STRUCTURE

Temenos Transact Core Banking Customer Details Response Structure

0 properties

JSON STRUCTURE

Temenos Transact Core Banking Customer Structure

22 properties

JSON STRUCTURE

Temenos Transact Core Banking Customer Update Request Structure

2 properties

JSON STRUCTURE

Temenos Transact Core Banking Customers Response Structure

1 properties

JSON STRUCTURE

Temenos Transact Core Banking Deposit Details Response Structure

0 properties

JSON STRUCTURE

Temenos Transact Core Banking Deposit Structure

14 properties

JSON STRUCTURE

Temenos Transact Core Banking Deposits Response Structure

1 properties

JSON STRUCTURE

Temenos Transact Core Banking Error Response Structure

2 properties

JSON STRUCTURE

Temenos Transact Core Banking Fund Transfer Request Structure

2 properties

JSON STRUCTURE

Temenos Transact Core Banking Fund Transfer Response Structure

0 properties

JSON STRUCTURE

Temenos Transact Core Banking Fund Transfer Structure

16 properties

JSON STRUCTURE

Temenos Transact Core Banking Iban Validation Response Structure

1 properties

JSON STRUCTURE

Temenos Transact Core Banking Loan Details Response Structure

0 properties

JSON STRUCTURE

Temenos Transact Core Banking Loan Structure

17 properties

JSON STRUCTURE

Temenos Transact Core Banking Loans Response Structure

1 properties

JSON STRUCTURE

Temenos Transact Core Banking Pagination Info Structure

3 properties

JSON STRUCTURE

Temenos Transact Core Banking Payment Order Request Structure

2 properties

JSON STRUCTURE

Temenos Transact Core Banking Payment Order Response Structure

0 properties

JSON STRUCTURE

Temenos Transact Core Banking Payment Order Structure

19 properties

JSON STRUCTURE

Temenos Transact Core Banking Payment Orders Response Structure

1 properties

JSON STRUCTURE

Temenos Transact Core Banking Product Structure

9 properties

JSON STRUCTURE

Temenos Transact Core Banking Products Response Structure

1 properties

JSON STRUCTURE

Temenos Transact Core Banking Response Header Structure

4 properties

JSON STRUCTURE

Temenos Transact Core Banking Standing Order Request Structure

2 properties

JSON STRUCTURE

Temenos Transact Core Banking Standing Order Response Structure

0 properties

JSON STRUCTURE

Temenos Transact Core Banking Standing Order Structure

13 properties

JSON STRUCTURE

Temenos Transact Core Banking Standing Orders Response Structure

1 properties

JSON STRUCTURE

Temenos Transact Core Banking Transaction Structure

18 properties

JSON STRUCTURE

Temenos Transact Core Banking Transactions Response Structure

1 properties

JSON STRUCTURE

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Examples 48

Example request and response payloads for these APIs.

Temenos Transact Core Banking Account Balances Example

10 fields

EXAMPLE

Temenos Transact Core Banking Account Balances Response Example

0 fields

EXAMPLE

Temenos Transact Core Banking Account Details Response Example

0 fields

EXAMPLE

Temenos Transact Core Banking Account Example

16 fields

EXAMPLE

Temenos Transact Core Banking Account Update Request Example

2 fields

EXAMPLE

Temenos Transact Core Banking Accounts Response Example

1 fields

EXAMPLE

Temenos Transact Core Banking Address Example

7 fields

EXAMPLE

Temenos Transact Core Banking Beneficiaries Response Example

1 fields

EXAMPLE

Temenos Transact Core Banking Beneficiary Create Request Example

2 fields

EXAMPLE

Temenos Transact Core Banking Beneficiary Example

12 fields

EXAMPLE

Temenos Transact Core Banking Beneficiary Response Example

0 fields

EXAMPLE

Temenos Transact Core Banking Card Details Response Example

0 fields

EXAMPLE

Temenos Transact Core Banking Card Example

10 fields

EXAMPLE

Temenos Transact Core Banking Cards Response Example

1 fields

EXAMPLE

Temenos Transact Core Banking Countries Response Example

1 fields

EXAMPLE

Temenos Transact Core Banking Country Example

5 fields

EXAMPLE

Temenos Transact Core Banking Currencies Response Example

1 fields

EXAMPLE

Temenos Transact Core Banking Currency Example

7 fields

EXAMPLE

Temenos Transact Core Banking Customer Create Request Example

2 fields

EXAMPLE

Temenos Transact Core Banking Customer Details Response Example

0 fields

EXAMPLE

Temenos Transact Core Banking Customer Example

22 fields

EXAMPLE

Temenos Transact Core Banking Customer Update Request Example

2 fields

EXAMPLE

Temenos Transact Core Banking Customers Response Example

1 fields

EXAMPLE

Temenos Transact Core Banking Deposit Details Response Example

0 fields

EXAMPLE

Temenos Transact Core Banking Deposit Example

14 fields

EXAMPLE

Temenos Transact Core Banking Deposits Response Example

1 fields

EXAMPLE

Temenos Transact Core Banking Error Response Example

2 fields

EXAMPLE

Temenos Transact Core Banking Fund Transfer Example

16 fields

EXAMPLE

Temenos Transact Core Banking Fund Transfer Request Example

2 fields

EXAMPLE

Temenos Transact Core Banking Fund Transfer Response Example

0 fields

EXAMPLE

Temenos Transact Core Banking Iban Validation Response Example

1 fields

EXAMPLE

Temenos Transact Core Banking Loan Details Response Example

0 fields

EXAMPLE

Temenos Transact Core Banking Loan Example

17 fields

EXAMPLE

Temenos Transact Core Banking Loans Response Example

1 fields

EXAMPLE

Temenos Transact Core Banking Pagination Info Example

3 fields

EXAMPLE

Temenos Transact Core Banking Payment Order Example

19 fields

EXAMPLE

Temenos Transact Core Banking Payment Order Request Example

2 fields

EXAMPLE

Temenos Transact Core Banking Payment Order Response Example

0 fields

EXAMPLE

Temenos Transact Core Banking Payment Orders Response Example

1 fields

EXAMPLE

Temenos Transact Core Banking Product Example

9 fields

EXAMPLE

Temenos Transact Core Banking Products Response Example

1 fields

EXAMPLE

Temenos Transact Core Banking Response Header Example

4 fields

EXAMPLE

Temenos Transact Core Banking Standing Order Example

13 fields

EXAMPLE

Temenos Transact Core Banking Standing Order Request Example

2 fields

EXAMPLE

Temenos Transact Core Banking Standing Order Response Example

0 fields

EXAMPLE

Temenos Transact Core Banking Standing Orders Response Example

1 fields

EXAMPLE

Temenos Transact Core Banking Transaction Example

18 fields

EXAMPLE

Temenos Transact Core Banking Transactions Response Example

1 fields

EXAMPLE

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Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Temenos Transact Authentication

http · 1 scheme

SECURITY

Temenos Transact Domain Security

TLSv1.2 · HSTS · DMARC

SECURITY

Agentic Access (API Evangelist recommendations) 1

Recommended x-agentic-access execution contracts for AI agents.

Temenos Transact Agentic Access

30 operations · 8 acting

AGENTIC

Use Cases 4

What developers build with this provider.

Digital Banking

Build digital banking apps with account management, transaction history, and payment initiation APIs.

Open Banking

Enable third-party access to banking data and payment services through standardized APIs.

Loan Origination

Automate loan application, credit assessment, and disbursement workflows through API integration.

Customer Onboarding

Streamline customer registration with KYC verification, account opening, and beneficiary setup.

Resources

Get Started 3

Portal, sign-up, and the first successful call

Portal

Portal

GettingStarted

GettingStarted

Signup

Signup

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Build 3

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace

PostmanWorkspace

GitHubOrganization

GitHubOrganization

PostmanCollection

PostmanCollection

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 3

Status, limits, changes, and where to get help

RateLimits

RateLimits

Community

Community

Support

Support

Commercial 4

Pricing, plans, and the legal terms of use

Plans

FinOps

TermsOfService

PrivacyPolicy

Company 3

The organization behind the API

LinkedIn

Blog

Blog

Website

Website

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

DataProcessing

DataProcessing

Source (apis.yml)

name: Temenos Transact
description: Core banking APIs from Temenos Transact, providing comprehensive banking functionality including accounts, transactions,
  payments, loans, and customer management.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: enterprise
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Enterprise · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-13'
  method: derived
image: https://www.temenos.com/wp-content/uploads/2023/01/temenos-logo.svg
url: https://www.temenos.com/products/transact/
created: '2024'
modified: '2026-05-19'
specificationVersion: '0.23'
apis:
- name: Temenos Transact Microservices APIs
  description: APIs for Temenos Transact microservices including callback registry, configuration management, user entitlements,
    and service orchestration for building event-driven and composable banking applications.
  image: https://www.temenos.com/wp-content/uploads/2023/01/temenos-logo.svg
  humanURL: https://developer.temenos.com/transact-microservice-apis
  baseURL: https://api.temenos.com/transact/v1
  tags:
  - Configuration
  - Entitlements
  - Microservices
  - Orchestration
  properties:
  - type: Documentation
    url: https://developer.temenos.com/transact-microservice-apis
- name: Temenos Transact Data Hub APIs
  description: High-performance APIs built on the near real-time Analytics Data Store and Operational Data Store from Temenos
    Transact Data Hub, providing banking-specific analytical and operational data for reporting and integration use cases.
  image: https://www.temenos.com/wp-content/uploads/2023/01/temenos-logo.svg
  humanURL: https://developer.temenos.com/transact-data-hub
  baseURL: https://api.temenos.com/transact/v1
  tags:
  - Analytics
  - Data Hub
  - Datastore
  - Reporting
  tags_raw:
  - Analytics
  - Data Hub
  - Data Store
  - Reporting
  properties:
  - type: Documentation
    url: https://developer.temenos.com/transact-data-hub
- name: Temenos Operational Data Store APIs
  description: APIs built on the near real-time Operational Data Store from Temenos Transact Data Hub, presenting data in
    specific formats for operational and API use cases utilizing real-time data streams and ETL transformations.
  image: https://www.temenos.com/wp-content/uploads/2023/01/temenos-logo.svg
  humanURL: https://developer.temenos.com/operational-data-store
  baseURL: https://api.temenos.com/transact/v1
  tags:
  - Data Streams
  - ETL
  - Operational Data
  - Real-Time
  properties:
  - type: Documentation
    url: https://developer.temenos.com/operational-data-store
- aid: temenos-transact:temenos-transact-accounts-api
  name: Temenos Transact Accounts API
  description: Manage customer accounts created using the Arrangement Architecture including current accounts, savings accounts,
    corporate accounts, Islamic accounts, non-resident and minor accounts.
  humanURL: https://www.temenos.com/products/transact/
  baseURL: https://api.temenos.com/transact/v1
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/temenos-transact-accounts-api-openapi.yml
  - type: Documentation
    url: https://developer.temenos.com/transact/documentation
  - type: Authentication
    url: https://developer.temenos.com/transact/authentication
  - type: Sandbox
    url: https://sandbox.temenos.com/transact
  - type: SDKs
    url: https://developer.temenos.com/transact/sdks
  - type: TermsOfService
    url: https://www.temenos.com/terms-of-service/
  - type: PrivacyPolicy
    url: https://www.temenos.com/privacy-policy/
  - type: Support
    url: https://support.temenos.com
  - type: StatusPage
    url: https://status.temenos.com
  - type: ChangeLog
    url: https://developer.temenos.com/transact/changelog
  - type: JSONSchema
    url: json-schema/temenos-transaction-schema.json
  - type: JSONLD
    url: json-ld/temenos-transact-context.jsonld
- aid: temenos-transact:temenos-transact-beneficiaries-api
  name: Temenos Transact Beneficiaries API
  description: Manage payment beneficiaries including domestic and international beneficiary registration, validation, and
    maintenance.
  humanURL: https://www.temenos.com/products/transact/
  baseURL: https://api.temenos.com/transact/v1
  tags:
  - Beneficiaries
  properties:
  - type: OpenAPI
    url: openapi/temenos-transact-beneficiaries-api-openapi.yml
  - type: Documentation
    url: https://developer.temenos.com/transact/documentation
  - type: Authentication
    url: https://developer.temenos.com/transact/authentication
  - type: Sandbox
    url: https://sandbox.temenos.com/transact
  - type: SDKs
    url: https://developer.temenos.com/transact/sdks
  - type: TermsOfService
    url: https://www.temenos.com/terms-of-service/
  - type: PrivacyPolicy
    url: https://www.temenos.com/privacy-policy/
  - type: Support
    url: https://support.temenos.com
  - type: StatusPage
    url: https://status.temenos.com
  - type: ChangeLog
    url: https://developer.temenos.com/transact/changelog
  - type: JSONSchema
    url: json-schema/temenos-transaction-schema.json
  - type: JSONLD
    url: json-ld/temenos-transact-context.jsonld
- aid: temenos-transact:temenos-transact-cards-api
  name: Temenos Transact Cards API
  description: Manage debit and credit card operations including card issuance, activation, blocking, and limit management.
  humanURL: https://www.temenos.com/products/transact/
  baseURL: https://api.temenos.com/transact/v1
  tags:
  - Cards
  properties:
  - type: OpenAPI
    url: openapi/temenos-transact-cards-api-openapi.yml
  - type: Documentation
    url: https://developer.temenos.com/transact/documentation
  - type: Authentication
    url: https://developer.temenos.com/transact/authentication
  - type: Sandbox
    url: https://sandbox.temenos.com/transact
  - type: SDKs
    url: https://developer.temenos.com/transact/sdks
  - type: TermsOfService
    url: https://www.temenos.com/terms-of-service/
  - type: PrivacyPolicy
    url: https://www.temenos.com/privacy-policy/
  - type: Support
    url: https://support.temenos.com
  - type: StatusPage
    url: https://status.temenos.com
  - type: ChangeLog
    url: https://developer.temenos.com/transact/changelog
  - type: JSONSchema
    url: json-schema/temenos-transaction-schema.json
  - type: JSONLD
    url: json-ld/temenos-transact-context.jsonld
- aid: temenos-transact:temenos-transact-customers-api
  name: Temenos Transact Customers API
  description: Create, update, and manage customer profiles, contact details, KYC documentation, compliance records, communication
    preferences, and party relationships.
  humanURL: https://www.temenos.com/products/transact/
  baseURL: https://api.temenos.com/transact/v1
  tags:
  - Customers
  properties:
  - type: OpenAPI
    url: openapi/temenos-transact-customers-api-openapi.yml
  - type: Documentation
    url: https://developer.temenos.com/transact/documentation
  - type: Authentication
    url: https://developer.temenos.com/transact/authentication
  - type: Sandbox
    url: https://sandbox.temenos.com/transact
  - type: SDKs
    url: https://developer.temenos.com/transact/sdks
  - type: TermsOfService
    url: https://www.temenos.com/terms-of-service/
  - type: PrivacyPolicy
    url: https://www.temenos.com/privacy-policy/
  - type: Support
    url: https://support.temenos.com
  - type: StatusPage
    url: https://status.temenos.com
  - type: ChangeLog
    url: https://developer.temenos.com/transact/changelog
  - type: JSONSchema
    url: json-schema/temenos-transaction-schema.json
  - type: JSONLD
    url: json-ld/temenos-transact-context.jsonld
- aid: temenos-transact:temenos-transact-deposits-api
  name: Temenos Transact Deposits API
  description: Manage deposit arrangements including term deposits, savings deposits, and fixed deposit products with maturity
    tracking and renewal capabilities.
  humanURL: https://www.temenos.com/products/transact/
  baseURL: https://api.temenos.com/transact/v1
  tags:
  - Deposits
  properties:
  - type: OpenAPI
    url: openapi/temenos-transact-deposits-api-openapi.yml
  - type: Documentation
    url: https://developer.temenos.com/transact/documentation
  - type: Authentication
    url: https://developer.temenos.com/transact/authentication
  - type: Sandbox
    url: https://sandbox.temenos.com/transact
  - type: SDKs
    url: https://developer.temenos.com/transact/sdks
  - type: TermsOfService
    url: https://www.temenos.com/terms-of-service/
  - type: PrivacyPolicy
    url: https://www.temenos.com/privacy-policy/
  - type: Support
    url: https://support.temenos.com
  - type: StatusPage
    url: https://status.temenos.com
  - type: ChangeLog
    url: https://developer.temenos.com/transact/changelog
  - type: JSONSchema
    url: json-schema/temenos-transaction-schema.json
  - type: JSONLD
    url: json-ld/temenos-transact-context.jsonld
- aid: temenos-transact:temenos-transact-loans-api
  name: Temenos Transact Loans API
  description: Create and manage loan arrangements, credit facilities, repayment schedules, drawdowns, and loan lifecycle
    operations.
  humanURL: https://www.temenos.com/products/transact/
  baseURL: https://api.temenos.com/transact/v1
  tags:
  - Loans
  properties:
  - type: OpenAPI
    url: openapi/temenos-transact-loans-api-openapi.yml
  - type: Documentation
    url: https://developer.temenos.com/transact/documentation
  - type: Authentication
    url: https://developer.temenos.com/transact/authentication
  - type: Sandbox
    url: https://sandbox.temenos.com/transact
  - type: SDKs
    url: https://developer.temenos.com/transact/sdks
  - type: TermsOfService
    url: https://www.temenos.com/terms-of-service/
  - type: PrivacyPolicy
    url: https://www.temenos.com/privacy-policy/
  - type: Support
    url: https://support.temenos.com
  - type: StatusPage
    url: https://status.temenos.com
  - type: ChangeLog
    url: https://developer.temenos.com/transact/changelog
  - type: JSONSchema
    url: json-schema/temenos-transaction-schema.json
  - type: JSONLD
    url: json-ld/temenos-transact-context.jsonld
- aid: temenos-transact:temenos-transact-payments-api
  name: Temenos Transact Payments API
  description: Process fund transfers, standing orders, direct debits, payment orders, sweeps, and cross-border payments.
    Includes payment validation, cost calculation, status tracking, and cancellation.
  humanURL: https://www.temenos.com/products/transact/
  baseURL: https://api.temenos.com/transact/v1
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/temenos-transact-payments-api-openapi.yml
  - type: Documentation
    url: https://developer.temenos.com/transact/documentation
  - type: Authentication
    url: https://developer.temenos.com/transact/authentication
  - type: Sandbox
    url: https://sandbox.temenos.com/transact
  - type: SDKs
    url: https://developer.temenos.com/transact/sdks
  - type: TermsOfService
    url: https://www.temenos.com/terms-of-service/
  - type: PrivacyPolicy
    url: https://www.temenos.com/privacy-policy/
  - type: Support
    url: https://support.temenos.com
  - type: StatusPage
    url: https://status.temenos.com
  - type: ChangeLog
    url: https://developer.temenos.com/transact/changelog
  - type: JSONSchema
    url: json-schema/temenos-transaction-schema.json
  - type: JSONLD
    url: json-ld/temenos-transact-context.jsonld
- aid: temenos-transact:temenos-transact-products-api
  name: Temenos Transact Products API
  description: Browse the product catalog and retrieve product conditions, eligibility criteria, and arrangement details.
  humanURL: https://www.temenos.com/products/transact/
  baseURL: https://api.temenos.com/transact/v1
  tags:
  - Product
  tags_raw:
  - Products
  properties:
  - type: OpenAPI
    url: openapi/temenos-transact-products-api-openapi.yml
  - type: Documentation
    url: https://developer.temenos.com/transact/documentation
  - type: Authentication
    url: https://developer.temenos.com/transact/authentication
  - type: Sandbox
    url: https://sandbox.temenos.com/transact
  - type: SDKs
    url: https://developer.temenos.com/transact/sdks
  - type: TermsOfService
    url: https://www.temenos.com/terms-of-service/
  - type: PrivacyPolicy
    url: https://www.temenos.com/privacy-policy/
  - type: Support
    url: https://support.temenos.com
  - type: StatusPage
    url: https://status.temenos.com
  - type: ChangeLog
    url: https://developer.temenos.com/transact/changelog
  - type: JSONSchema
    url: json-schema/temenos-transaction-schema.json
  - type: JSONLD
    url: json-ld/temenos-transact-context.jsonld
- aid: temenos-transact:temenos-transact-reference-data-api
  name: Temenos Transact Reference Data API
  description: Access system-wide lookup and configuration data including currencies, countries, IBAN/BIC validation, interest
    rate tables, and balance type definitions.
  humanURL: https://www.temenos.com/products/transact/
  baseURL: https://api.temenos.com/transact/v1
  tags:
  - Reference Data
  properties:
  - type: OpenAPI
    url: openapi/temenos-transact-reference-data-api-openapi.yml
  - type: Documentation
    url: https://developer.temenos.com/transact/documentation
  - type: Authentication
    url: https://developer.temenos.com/transact/authentication
  - type: Sandbox
    url: https://sandbox.temenos.com/transact
  - type: SDKs
    url: https://developer.temenos.com/transact/sdks
  - type: TermsOfService
    url: https://www.temenos.com/terms-of-service/
  - type: PrivacyPolicy
    url: https://www.temenos.com/privacy-policy/
  - type: Support
    url: https://support.temenos.com
  - type: StatusPage
    url: https://status.temenos.com
  - type: ChangeLog
    url: https://developer.temenos.com/transact/changelog
  - type: JSONSchema
    url: json-schema/temenos-transaction-schema.json
  - type: JSONLD
    url: json-ld/temenos-transact-context.jsonld
- aid: temenos-transact:temenos-transact-transactions-api
  name: Temenos Transact Transactions API
  description: Retrieve transaction history, statement details, and account activity records for all account types and arrangements.
  humanURL: https://www.temenos.com/products/transact/
  baseURL: https://api.temenos.com/transact/v1
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/temenos-transact-transactions-api-openapi.yml
  - type: Documentation
    url: https://developer.temenos.com/transact/documentation
  - type: Authentication
    url: https://developer.temenos.com/transact/authentication
  - type: Sandbox
    url: https://sandbox.temenos.com/transact
  - type: SDKs
    url: https://developer.temenos.com/transact/sdks
  - type: TermsOfService
    url: https://www.temenos.com/terms-of-service/
  - type: PrivacyPolicy
    url: https://www.temenos.com/privacy-policy/
  - type: Support
    url: https://support.temenos.com
  - type: StatusPage
    url: https://status.temenos.com
  - type: ChangeLog
    url: https://developer.temenos.com/transact/changelog
  - type: JSONSchema
    url: json-schema/temenos-transaction-schema.json
  - type: JSONLD
    url: json-ld/temenos-transact-context.jsonld
common:
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/temenos-transact/overview
- type: Plans
  url: plans/temenos-transact-plans-pricing.yml
- type: RateLimits
  url: rate-limits/temenos-transact-rate-limits.yml
- type: FinOps
  url: finops/temenos-transact-finops.yml
- type: CapabilityMap
  url: capabilities/temenos-transact-capability-edges.yml
  name: Temenos Transact Business Capability Map
- type: AgenticAccess
  url: agentic-access/temenos-transact-agentic-access.yml
- type: DomainSecurity
  url: security/temenos-transact-domain-security.yml
- type: Authentication
  url: authentication/temenos-transact-authentication.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/temenos
- type: Portal
  url: https://developer.temenos.com/
- type: GettingStarted
  url: https://developer.temenos.com/article/sandbox-quick-guide
- type: Documentation
  url: https://developer.temenos.com/guides
- type: Blog
  url: https://www.temenos.com/blog/the-modern-developer-portal/
- type: Community
  url: https://basecamp.temenos.com/s/
- type: Signup
  url: https://tcsp-signup.temenos.com/signup/communityregistration
- type: GitHubOrganization
  url: https://github.com/temenostech
- type: Website
  url: https://www.temenos.com/
- type: Support
  url: https://support.temenos.com
- type: TermsOfService
  url: https://www.temenos.com/terms-of-service/
- type: PrivacyPolicy
  url: https://www.temenos.com/privacy-policy/
- type: PostmanCollection
  url: https://www.postman.com/temenos-devex/temenos-essential-apis/documentation/sd6uv6m/temenos-essential-apis
- type: Features
  data:
  - name: Arrangement Architecture
    description: Modular, component-based framework enabling reusable product components across retail, corporate, treasury,
      wealth, and Islamic banking.
  - name: Multi-Currency Support
    description: Full support for multi-currency accounts, payments, and exchange rate management with ISO 4217 compliance.
  - name: KYC and AML Compliance
    description: Built-in customer verification, AML checks, and compliance tracking for regulatory requirements.
  - name: Real-Time Payments
    description: Support for SEPA, SWIFT, ACH, RTGS, and domestic clearing payment types with real-time processing.
  - name: Product Catalog
    description: Configurable product catalog with conditions, eligibility criteria, and arrangement details for banking products.
- type: UseCases
  data:
  - name: Digital Banking
    description: Build digital banking apps with account management, transaction history, and payment initiation APIs.
  - name: Open Banking
    description: Enable third-party access to banking data and payment services through standardized APIs.
  - name: Loan Origination
    description: Automate loan application, credit assessment, and disbursement workflows through API integration.
  - name: Customer Onboarding
    description: Streamline customer registration with KYC verification, account opening, and beneficiary setup.
- type: Integrations
  data:
  - name: Payment Networks
    description: Integration with SWIFT, SEPA, ACH, and domestic clearing networks for cross-border and local payments.
  - name: Card Processing
    description: Integration with card issuance and processing networks for debit and credit card operations.
  - name: Regulatory Reporting
    description: Integration with regulatory bodies for compliance reporting, AML screening, and KYC verification.
- type: Integrations
  url: https://www.temenos.com/partners/
- type: DataProcessing
  url: privacy/temenos-transact-privacy-policy.yml
integrations:
- name: Become a Partner
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
  url: https://apievangelist.com
tags:
- Banking
- Core Banking
- Digital Banking
- Enterprise
- Financial Services
- Fintech
tags_raw:
- Banking
- Core Banking
- Digital Banking
- Enterprise
- Financial Services
- Fintech
- Financial-Services
x-parent: temenos
x-relationship: product

Temenos Transact API — frequently asked questions

Does Temenos Transact have an API?

Yes. APIs.io lists 13 APIs from Temenos Transact, including Temenos Transact Microservices APIs, Temenos Transact Data Hub APIs and Temenos Operational Data Store APIs, and 10 more.

Is there an OpenAPI specification for the Temenos Transact API?

Yes. APIs.io indexes 10 OpenAPI specifications for Temenos Transact, each linked for download from this page.

How do I authenticate with the Temenos Transact API?

Temenos Transact uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Temenos Transact Authentication.

How much does the Temenos Transact API cost?

APIs.io lists 1 pricing plan for Temenos Transact, with each plan's price, limits and inclusions under Pricing on this page.

Is the Temenos Transact API ready for AI agents?

Temenos Transact has a Kin Score of 39.6 out of 100 (developing) and an Agent Readiness score of 27.0 (agent-aware), scored by API Evangelist on 2026-11-13.

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