Temenos L1 Adapter Integration
Native Card & Payments Integration for Temenos Core Banking
Pannovate integrates with Temenos Transact via a standard Temenos L1 Adapter, enabling a robust, repeatable connection between core banking and advanced card management services.
This integration allows banks and fintechs running Temenos to deploy full card issuing and lifecycle management without custom, one-off connectors, keeping implementations clean, upgrade-safe, and scalable.
How the Integration Works
The Temenos L1 Adapter provides a native integration layer between Temenos core banking services and the Pannovate Card Management System (CMS).
Through this adapter:
- Customer, account, and balance data is synchronised between Temenos and Pannovate
- Card lifecycle events (issue, activate, block, replace, renew) are handled in real time
- Transactions flow seamlessly between the CMS, processor, and Temenos core
- Funds fulfilment and ledger updates remain aligned with Temenos accounting logic
The result is a two-way, event-driven integration that keeps the core banking system and card platform fully in sync.
What the L1 Adapter Enables
Full Card Lifecycle Management
The integration supports end-to-end card services, including:
- Physical, virtual, and tokenised card issuing
- Real-time card status updates
- PIN management and card controls
- Card replacement, renewal, and reissuance
All card events are reflected directly in Temenos, ensuring operational consistency.
Real-Time Transaction Processing
Card authorisations, clearing, and settlement events are orchestrated through Pannovate's CMS while maintaining alignment with Temenos:
- Authorisation requests and responses are processed in real time
- Transaction data is shared back to Temenos for posting and reporting
- Fees, limits, and controls can be applied dynamically
This ensures accurate balances, timely postings, and full transaction visibility.
Configurable Card Rules & Controls
Banks can define and manage:
- Spend limits and velocity rules
- Merchant category and geographic controls
- Fees and pricing logic
- Product-specific card behaviours
Rules are enforced at the CMS level while remaining fully compatible with Temenos core processes.
Why L1 Matters
Full Card Lifecycle Management
Using a Temenos L1 Adapter means the integration is:
- Standardised: built on Temenos-approved integration patterns
- Repeatable: deployable across multiple programmes and clients
- Upgrade-safe: avoids deep customisation of the core
- Faster to implement: reduces integration complexity and project risk
This approach avoids brittle, bespoke integrations while enabling richer card functionality.
Designed for Modern Banking Architectures
The integration supports:
- Multi-programme and multi-BIN setups
- Multiple processors and scheme configurations
- Banking-as-a-Service and embedded finance models
- Incremental rollout of new card products and features
It allows Temenos customers to extend their core banking platform with advanced card capabilities without re-architecting existing systems.
Temenos Exchange Ready
The Pannovate integration is available through the Temenos Exchange ecosystem, enabling Temenos customers to adopt the solution using a pre-defined, proven integration model rather than building from scratch.
