For fraud, payments & risk teams who bear the chargebacks

Turn any card BIN
into a decision.

BillionCore scores the first 6–8 digits of any card for fraud risk and rebill value — then tells you whether to approve it, decline it, or double down on it. One call, under a millisecond.

Start free — get your API keyScore a card live

API key in 60 seconds · No credit card · BIN only, never the full card number

BIN 453998 · USretail lens
14risk
approve

🇮🇹 Visa · credit

Cartasi S.p.a.

First rebill
85%
Gross profit
+51.6
Refund
2.78%
BIN only · answered in 41 µs
BIN-only

No full card numbers, no PII

< 1 ms

Median decision latency

Daily

Issuer & performance refresh

$0.012

Pay-as-you-go, per call

Live · real engine · no signup

Score a real card right now

Type any BIN — the first 6–8 digits of a card. Pick your lens and see the live decision, risk score and the reasons behind it. This is the actual API response.

BillionCoreBIN
Card BIN

🇺🇸 United States

Try:
BIN only — never the full card numberGET /api/bin/lookup
Prefer the API? Copy this — runs as-is, no signup
curl "https://engine.billioncore.tech/api/bin/lookup?bin=453998&country=US&profile=retail&price=49.99" \
  -H "X-API-Key: bc_demo_BillionCoreStressTest2024"

Shared demo key · limited free calls/day per IP · get your own free key for your traffic.

Get your own API key — free

Run this on your own traffic in under a minute · no card required

One score. Three jobs it does.

The same BIN intelligence, tuned to the decision you actually need to make.

Fraud & payments

Cut chargebacks without killing good orders

Score every card at checkout — approve / review / decline with the reasons attached, including cross-border and issuer-mismatch flags — so your analysts trust the call.

  • Block risky BINs before the charge, not after the dispute
  • Fewer false declines on legitimate customers
  • Stay under the Visa/Mastercard chargeback threshold that kills your MID

Media buying & arbitrage

Spend on cards that actually rebill

See first-rebill, rebill and gross-profit signals per BIN and get a force / keep / avoid call — so budget goes to traffic that sticks.

  • Spot chargeback-heavy BINs before they burn your MID
  • Prioritise cards with strong recurring-billing history
  • Drop unprofitable segments instead of guessing

Affiliate agencies & managers

Grade card quality across every offer and buyer

One consistent risk-and-quality score for every BIN your network touches — so you can compare offers, sources and sub-IDs on the same yardstick.

  • Standardise card quality across all your buyers
  • Surface fraud-heavy sources early
  • Back payout and approval decisions with data

Everything in a single lookup

One GET request returns the score, the decision and the evidence — not a row you still have to interpret.

Fraud risk score, 0–100

Every BIN scored from historical chargeback, refund and TC40 signals plus issuer attributes — one number you can threshold on.

A decision, not just data

Approve / review / decline for fraud teams, or force / keep / avoid for media buyers — the call is made for you, tuned to your lens.

Rebill & profit signals

First-rebill rate, rebill rate, gross profit, refund rate and lead quality per BIN — the numbers that decide if recurring traffic pays off.

Issuer intelligence

Issuing bank, card brand, credit/debit/prepaid and issuing country on every lookup, with cross-border and mismatch flags.

Explainable reasons

Each decision ships with the exact signals behind it — so your analysts and your buyers trust the answer instead of fighting it.

Wire-speed REST

Sub-millisecond responses from a pure in-memory Go engine. Plain JSON, any language, no SDK. API key in under a minute.

From sign-up to first decision in minutes

01

Get your key

Sign up in under a minute. A live API key is generated instantly — no approval queue, no sales call.

02

Send a BIN

GET the first 6–8 digits of a card with an optional country and lens. Nothing else — never the full card number.

03

Get a decision

Back comes a risk score, an approve / decline / push recommendation, the issuer details and the reasons behind it.

04

Wire it into your flow

Drop it into checkout, your anti-fraud rules or your media-buying ops. Watch usage and spend live in the dashboard.

Simple, transparent pricing

Start free. Pay for what you use. No minimums, no lock-in.

Free forever: 250 lookups/month · or a 30-day full Pro trial, no card

Starter

$79/mo

For first integrations and smaller volume.

15,000 lookups/mo
  • 15,000 scored lookups/mo
  • Risk score + decision + economics
  • Overage at $0.012/call
  • Configurable spend cap
  • Email support
Start free trial
Most popular

Growth

$249/mo

For live fraud, checkout and buying ops.

75,000 lookups/mo
  • 75,000 scored lookups/mo
  • Full analytics + portfolio
  • Overage at $0.012/call
  • Configurable spend cap
  • Priority support
Start Growth trial

Scale

$799/mo

For agencies and high volume.

350,000 lookups/mo
  • 350,000 scored lookups/mo
  • Portfolio & MID-compliance view
  • Overage at $0.012/call
  • Priority support
  • Usage alerts
Start Scale trial

Enterprise

Custom

Millions of lookups, SLA, dedicated support.

Unlimited volume
  • Unlimited lookups
  • Custom rate & SLA
  • Dedicated support
  • Custom integrations
  • From $2,000/mo
Contact us
Prefer pay-as-you-go? Top up by card or crypto and pay $0.012 per scored lookup — no monthly commitment.

Questions, answered

What does BillionCore actually return?
For a BIN — the first 6–8 digits of a card — you get a fraud risk score (0–100), a decision (approve / review / decline for fraud teams, or force / keep / avoid for media buyers and affiliates), the issuer bank, card brand, card type and country, and the signals behind the score.
How does it reduce chargebacks and false declines?
Each BIN is scored from historical chargeback, refund and TC40 signals plus issuer attributes. Acting on the decision lets you block genuinely risky cards while letting good orders through — so you lower chargebacks and false declines at the same time, instead of trading one for the other.
Do you ever see the full card number?
No. BillionCore only needs the BIN. It never receives, stores or processes the full card number (PAN) or any cardholder data, so it stays out of PCI scope for full card data.
Where does the data come from?
Issuer attributes and BIN-level performance are aggregated from open issuer and performance datasets and refreshed daily. You can also layer your own routing rules on top per BIN and country.
How fast is it, and how do I call it?
Under a millisecond per lookup from an in-memory Go engine. It is a plain REST API — send a GET request with your API key from any language, no SDK required, and read the JSON response.
What does it cost?
Start free — 250 scored lookups every month, forever, or a 30-day full Pro trial with no card. Paid plans: Starter $79/mo (15,000 lookups), Growth $249/mo (75,000), Scale $799/mo (350,000); Enterprise is custom. Or pay-as-you-go at $0.012 per lookup — top up by card or crypto, no monthly commitment.
Free trial · No card required

Stop guessing which cards
to trust.

Get your API key and score your first card in the next five minutes. Full Pro access free for 30 days — first 20 users get the extended trial.

Create free accountTry the live demo

Partners

BillionCore is proud to be part of the SendPulse Startup Program.