openapi: 3.1.0 info: title: Temenos Transact Core Banking Accounts Payments API description: RESTful APIs for Temenos Transact (formerly T24) core banking operations. Provides comprehensive banking functionality organized into domain-driven API categories including Holdings (accounts, deposits, loans, cards), Order (payments, transfers, standing orders), Party (customers, beneficiaries, KYC), Reference (currencies, countries, rates), Product (catalog, conditions), and Enterprise (pricing, bundles). Built on the Arrangement Architecture, a modular business component-based framework enabling reusable product components across retail, corporate, treasury, wealth, and Islamic banking domains. APIs exchange data over HTTP using JSON format with a versioned URL structure following the pattern api/v1.0.0/{domain}/{resource}. version: 1.0.0 contact: name: Temenos Developer Support url: https://developer.temenos.com/ email: api.support@temenos.com license: name: Temenos Terms of Service url: https://www.temenos.com/terms-of-service/ termsOfService: https://www.temenos.com/terms-of-service/ servers: - url: https://api.temenos.com/api/v1.0.0 description: Temenos Transact API - Production - url: https://sandbox.temenos.com/api/v1.0.0 description: Temenos Transact API - Sandbox security: - bearerAuth: [] tags: - name: Payments description: Process fund transfers, standing orders, direct debits, payment orders, sweeps, and cross-border payments. Includes payment validation, cost calculation, status tracking, and cancellation. paths: /order/fundTransfers: post: operationId: createFundTransfer summary: Temenos Transact Create Fund Transfer description: Initiate a fund transfer between accounts. Supports internal transfers, domestic payments, and cross-border transfers. Validates accounts, calculates charges and exchange rates, and processes the payment according to configured payment rules and cut-off times. tags: - Payments requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/FundTransferRequest' responses: '201': description: Fund transfer created successfully content: application/json: schema: $ref: '#/components/schemas/FundTransferResponse' '400': $ref: '#/components/responses/BadRequest' '401': $ref: '#/components/responses/Unauthorized' '403': $ref: '#/components/responses/Forbidden' '422': description: Validation failed - insufficient funds or invalid account content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' '500': $ref: '#/components/responses/InternalServerError' x-microcks-operation: delay: 0 dispatcher: FALLBACK /order/fundTransfers/{transferId}: get: operationId: getFundTransfer summary: Temenos Transact Get Fund Transfer Details description: Retrieve the status and details of a specific fund transfer including processing status, value date, charges applied, exchange rate, and any error details. tags: - Payments parameters: - name: transferId in: path required: true description: Unique identifier of the fund transfer schema: type: string responses: '200': description: Successful retrieval of fund transfer details content: application/json: schema: $ref: '#/components/schemas/FundTransferResponse' '401': $ref: '#/components/responses/Unauthorized' '404': $ref: '#/components/responses/NotFound' '500': $ref: '#/components/responses/InternalServerError' x-microcks-operation: delay: 0 dispatcher: FALLBACK /order/paymentOrders: get: operationId: getPaymentOrders summary: Temenos Transact List Payment Orders description: Retrieve a list of payment orders. Supports filtering by status, debit account, credit account, date range, and payment type. Includes pending, processed, and rejected payment orders. tags: - Payments parameters: - $ref: '#/components/parameters/pageSize' - $ref: '#/components/parameters/pageStart' - name: debitAccountId in: query description: Filter by debit account ID schema: type: string - name: creditAccountId in: query description: Filter by credit account ID schema: type: string - name: status in: query description: Filter by payment status schema: type: string enum: - PENDING - PROCESSING - COMPLETED - REJECTED - CANCELLED - name: fromDate in: query description: Start date filter (YYYY-MM-DD) schema: type: string format: date - name: toDate in: query description: End date filter (YYYY-MM-DD) schema: type: string format: date responses: '200': description: Successful retrieval of payment orders content: application/json: schema: $ref: '#/components/schemas/PaymentOrdersResponse' '400': $ref: '#/components/responses/BadRequest' '401': $ref: '#/components/responses/Unauthorized' '500': $ref: '#/components/responses/InternalServerError' x-microcks-operation: delay: 0 dispatcher: FALLBACK post: operationId: createPaymentOrder summary: Temenos Transact Create Payment Order description: Submit a new payment order for processing. Validates the payment details, calculates charges and execution times, and queues the payment for processing. Supports various payment types including SEPA, SWIFT, ACH, and domestic clearing. tags: - Payments requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/PaymentOrderRequest' responses: '201': description: Payment order created successfully content: application/json: schema: $ref: '#/components/schemas/PaymentOrderResponse' '400': $ref: '#/components/responses/BadRequest' '401': $ref: '#/components/responses/Unauthorized' '422': description: Payment validation failed content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' '500': $ref: '#/components/responses/InternalServerError' x-microcks-operation: delay: 0 dispatcher: FALLBACK /order/paymentOrders/{paymentOrderId}: get: operationId: getPaymentOrder summary: Temenos Transact Get Payment Order Details description: Retrieve detailed information for a specific payment order including status, amount, charges, exchange rate, execution date, and processing details. tags: - Payments parameters: - name: paymentOrderId in: path required: true description: Unique identifier of the payment order schema: type: string responses: '200': description: Successful retrieval of payment order details content: application/json: schema: $ref: '#/components/schemas/PaymentOrderResponse' '401': $ref: '#/components/responses/Unauthorized' '404': $ref: '#/components/responses/NotFound' '500': $ref: '#/components/responses/InternalServerError' x-microcks-operation: delay: 0 dispatcher: FALLBACK /order/paymentOrders/{paymentOrderId}/cancellation: post: operationId: cancelPaymentOrder summary: Temenos Transact Cancel Payment Order description: Request cancellation of a pending payment order. Only payment orders in PENDING or PROCESSING status can be cancelled. Returns the updated payment order status. tags: - Payments parameters: - name: paymentOrderId in: path required: true description: Unique identifier of the payment order to cancel schema: type: string responses: '200': description: Payment order cancellation accepted content: application/json: schema: $ref: '#/components/schemas/PaymentOrderResponse' '400': description: Payment order cannot be cancelled in current status content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' '401': $ref: '#/components/responses/Unauthorized' '404': $ref: '#/components/responses/NotFound' '500': $ref: '#/components/responses/InternalServerError' x-microcks-operation: delay: 0 dispatcher: FALLBACK /order/standingOrders: get: operationId: getStandingOrders summary: Temenos Transact List Standing Orders description: Retrieve standing order instructions for recurring payments. Supports filtering by account, frequency, status, and next execution date. tags: - Payments parameters: - $ref: '#/components/parameters/pageSize' - $ref: '#/components/parameters/pageStart' - name: accountId in: query description: Filter by account ID schema: type: string - name: status in: query description: Filter by standing order status schema: type: string enum: - ACTIVE - SUSPENDED - EXPIRED - CANCELLED responses: '200': description: Successful retrieval of standing orders content: application/json: schema: $ref: '#/components/schemas/StandingOrdersResponse' '400': $ref: '#/components/responses/BadRequest' '401': $ref: '#/components/responses/Unauthorized' '500': $ref: '#/components/responses/InternalServerError' x-microcks-operation: delay: 0 dispatcher: FALLBACK post: operationId: createStandingOrder summary: Temenos Transact Create Standing Order description: Create a new standing order instruction for recurring payments. Defines the debit account, beneficiary, amount, frequency, start date, and optional end date. tags: - Payments requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/StandingOrderRequest' responses: '201': description: Standing order created successfully content: application/json: schema: $ref: '#/components/schemas/StandingOrderResponse' '400': $ref: '#/components/responses/BadRequest' '401': $ref: '#/components/responses/Unauthorized' '422': description: Standing order validation failed content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' '500': $ref: '#/components/responses/InternalServerError' x-microcks-operation: delay: 0 dispatcher: FALLBACK components: responses: NotFound: description: Requested resource not found content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' InternalServerError: description: Internal server error content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' Forbidden: description: Insufficient permissions to access this resource content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' Unauthorized: description: Authentication required or token expired content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' BadRequest: description: Bad request - invalid parameters or malformed request content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' schemas: ErrorResponse: type: object description: Standard error response structure required: - header properties: header: type: object properties: id: type: string description: Request identifier status: type: string description: Error status enum: - error transactionStatus: type: string description: Transaction status example: example_value error: type: object properties: type: type: string description: Error type classification message: type: string description: Human-readable error message code: type: string description: Machine-readable error code details: type: array description: Detailed error information items: type: object properties: field: type: string description: Field that caused the error message: type: string description: Field-level error message code: type: string description: Field-level error code example: example_value PaginationInfo: type: object description: Pagination metadata for list responses properties: pageSize: type: integer description: Number of records per page example: 10 pageStart: type: integer description: Current page offset example: 10 totalRecords: type: integer description: Total number of records available example: 10 StandingOrder: type: object description: A standing order instruction for recurring payments properties: standingOrderId: type: string description: Unique standing order identifier example: '500123' accountId: type: string description: Debit account identifier example: '500123' beneficiaryId: type: string description: Beneficiary identifier example: '500123' beneficiaryAccountId: type: string description: Beneficiary account identifier example: '500123' beneficiaryName: type: string description: Name of the beneficiary example: example_value amount: type: number description: Recurring payment amount example: 42.5 currency: type: string description: Payment currency example: example_value frequency: type: string description: Payment frequency enum: - DAILY - WEEKLY - BIWEEKLY - MONTHLY - QUARTERLY - SEMI_ANNUALLY - ANNUALLY example: DAILY startDate: type: string format: date description: Date of the first payment example: '2026-01-15' endDate: type: string format: date description: Date of the last payment (optional for indefinite) example: '2026-01-15' nextPaymentDate: type: string format: date description: Date of the next scheduled payment example: '2026-01-15' status: type: string description: Standing order status enum: - ACTIVE - SUSPENDED - EXPIRED - CANCELLED example: ACTIVE narrative: type: string description: Payment description example: example_value StandingOrderRequest: type: object required: - body properties: header: type: object properties: override: type: boolean example: example_value body: type: object required: - accountId - amount - currency - frequency - startDate properties: accountId: type: string beneficiaryId: type: string beneficiaryAccountId: type: string beneficiaryName: type: string amount: type: number minimum: 0.01 currency: type: string frequency: type: string enum: - DAILY - WEEKLY - BIWEEKLY - MONTHLY - QUARTERLY - SEMI_ANNUALLY - ANNUALLY startDate: type: string format: date endDate: type: string format: date narrative: type: string example: example_value PaymentOrder: type: object description: A payment order in Temenos Transact for submitting payment instructions through various clearing systems. properties: paymentOrderId: type: string description: Unique payment order identifier example: '500123' debitAccountId: type: string description: Debit account identifier example: '500123' debitAmount: type: number description: Amount debited from the source account example: 42.5 debitCurrency: type: string description: Currency of the debit example: example_value creditAccountId: type: string description: Credit account identifier or beneficiary account example: '500123' creditAmount: type: number description: Amount credited to the destination account example: 42.5 creditCurrency: type: string description: Currency of the credit example: example_value paymentType: type: string description: Payment type classification enum: - INTERNAL - SEPA_CREDIT - SEPA_INSTANT - SWIFT_MT103 - ACH - DOMESTIC_CLEARING - RTGS example: INTERNAL status: type: string description: Payment order status enum: - PENDING - PROCESSING - COMPLETED - REJECTED - CANCELLED example: PENDING valueDate: type: string format: date description: Value date of the payment example: '2026-01-15' executionDate: type: string format: date-time description: Timestamp when the payment was executed example: '2026-01-15T10:30:00Z' beneficiaryName: type: string description: Name of the payment beneficiary example: example_value beneficiaryIban: type: string description: IBAN of the beneficiary example: example_value beneficiaryBic: type: string description: BIC/SWIFT code of the beneficiary bank example: example_value remittanceInformation: type: string description: Remittance information or payment reference example: example_value chargesType: type: string description: Who bears the charges enum: - OUR - BEN - SHA example: OUR totalCharges: type: number description: Total charges applied example: 42.5 exchangeRate: type: number description: Applied exchange rate example: 42.5 rejectionReason: type: string description: Reason for rejection if applicable example: example_value FundTransfer: type: object description: A fund transfer operation in Temenos Transact for moving funds between accounts, supporting internal transfers, domestic payments, and cross-border transactions. properties: transferId: type: string description: Unique transfer identifier examples: - FT2014500001 debitAccountId: type: string description: Source account identifier example: '500123' debitCurrency: type: string description: Currency of the debit account example: example_value creditAccountId: type: string description: Destination account identifier example: '500123' creditCurrency: type: string description: Currency of the credit account example: example_value amount: type: number description: Transfer amount example: 42.5 creditAmount: type: number description: Amount credited (may differ due to exchange rate) example: 42.5 transferType: type: string description: Type of transfer enum: - INTERNAL - DOMESTIC - INTERNATIONAL - SEPA - SWIFT example: INTERNAL status: type: string description: Current transfer status enum: - PENDING - PROCESSING - COMPLETED - FAILED - REVERSED example: PENDING valueDate: type: string format: date description: Value date of the transfer example: '2026-01-15' executionDate: type: string format: date description: Actual execution date example: '2026-01-15' exchangeRate: type: number description: Applied exchange rate for cross-currency transfers example: 42.5 chargesAmount: type: number description: Total charges applied example: 42.5 chargesCurrency: type: string description: Currency of the charges example: example_value narrative: type: string description: Transfer description or purpose example: example_value endToEndReference: type: string description: End-to-end reference for payment tracking example: example_value PaymentOrderRequest: type: object required: - body properties: header: type: object properties: override: type: boolean example: example_value body: type: object required: - debitAccountId - debitAmount properties: debitAccountId: type: string debitAmount: type: number minimum: 0.01 debitCurrency: type: string creditAccountId: type: string creditAmount: type: number creditCurrency: type: string beneficiaryId: type: string beneficiaryName: type: string beneficiaryIban: type: string beneficiaryBic: type: string paymentType: type: string enum: - INTERNAL - SEPA_CREDIT - SEPA_INSTANT - SWIFT_MT103 - ACH - DOMESTIC_CLEARING - RTGS valueDate: type: string format: date remittanceInformation: type: string chargesType: type: string enum: - OUR - BEN - SHA endToEndReference: type: string example: example_value StandingOrderResponse: type: object properties: header: $ref: '#/components/schemas/ResponseHeader' body: $ref: '#/components/schemas/StandingOrder' PaymentOrdersResponse: type: object properties: header: $ref: '#/components/schemas/ResponseHeader' body: type: array items: $ref: '#/components/schemas/PaymentOrder' example: [] page: $ref: '#/components/schemas/PaginationInfo' FundTransferRequest: type: object required: - body properties: header: type: object properties: override: type: boolean example: example_value body: type: object required: - debitAccountId - creditAccountId - amount properties: debitAccountId: type: string description: Source account identifier creditAccountId: type: string description: Destination account identifier amount: type: number description: Transfer amount minimum: 0.01 currency: type: string description: Transfer currency (defaults to debit account currency) valueDate: type: string format: date description: Value date (defaults to current business date) narrative: type: string description: Transfer description endToEndReference: type: string description: End-to-end reference example: example_value ResponseHeader: type: object description: Standard response header returned by all Transact API operations properties: id: type: string description: Unique identifier for the resource example: abc123 status: type: string description: Status of the operation (success, error) enum: - success - error example: success transactionStatus: type: string description: Transaction lifecycle status enum: - Live - Unauth - Hold - Reversed example: Live audit: type: object properties: parseTime: type: integer description: Time taken to parse the request in milliseconds responseParse: type: integer description: Time taken to generate the response in milliseconds example: example_value FundTransferResponse: type: object properties: header: $ref: '#/components/schemas/ResponseHeader' body: $ref: '#/components/schemas/FundTransfer' StandingOrdersResponse: type: object properties: header: $ref: '#/components/schemas/ResponseHeader' body: type: array items: $ref: '#/components/schemas/StandingOrder' example: [] page: $ref: '#/components/schemas/PaginationInfo' PaymentOrderResponse: type: object properties: header: $ref: '#/components/schemas/ResponseHeader' body: $ref: '#/components/schemas/PaymentOrder' parameters: pageStart: name: page_start in: query description: Page token or offset for pagination schema: type: integer default: 0 minimum: 0 pageSize: name: page_size in: query description: Number of records to return per page (default 25, max 100) schema: type: integer default: 25 minimum: 1 maximum: 100 securitySchemes: bearerAuth: type: http scheme: bearer bearerFormat: JWT description: OAuth 2.0 Bearer token authentication. Obtain a token from the Temenos authentication endpoint using client credentials or authorization code flow.