# BillionCore

> BillionCore is a BIN intelligence and card-decisioning API. Send the first 6–8 digits of a payment card (the BIN) and get back, in under a millisecond: a fraud risk score (0–100), a clear decision, the issuer details, projected rebill economics, and the reasons behind the score. BIN only — never the full card number.

BillionCore turns a card's BIN into a decision instead of raw data. For fraud and payments teams it returns approve / review / decline; for media buyers and affiliates it returns force / keep / avoid plus projected LTV and ROI. It runs on a pure in-memory Go engine, so responses are sub-millisecond, and a single batch call can score up to 10,000 BINs and return a portfolio-level summary — including blended chargeback exposure against the card-scheme ceiling that gets a merchant account shut down, issuer concentration, and the best/worst BINs to keep or cut.

## Who it is for

- **Fraud & payments teams** — cut chargebacks and false declines with an approve/review/decline decision and reason codes.
- **Media buyers / traffic arbitrage** — spend on cards that actually rebill; protect the merchant account (MID) from chargeback-heavy traffic.
- **Affiliate agencies & managers** — one consistent card-quality score across every offer, buyer and sub-ID.

## What you get per lookup

- `risk_score` (0–100) computed from chargeback, refund and TC40/SAFE signals.
- `recommendation` — the segment decision: approve/review/decline (retail) or force/keep/avoid (affiliate), with `reasons`.
- `analytics` (when `?profile` is set): `economics` (projected rebills, LTV, ROI, EV, breakeven, profit grade A–F, modeled approval likelihood), `benchmarks` (percentile vs peer segment), `confidence`, and `routing` hints (e.g. 3DS, retry).
- `issuer` — bank, card brand (Visa/Mastercard/Amex/…), card type (credit/debit/prepaid), issuing country.
- Batch responses add a `portfolio` summary across all submitted BINs.

## API

- **Base URL**: https://engine.billioncore.tech
- **Auth**: `X-API-Key: bc_live_<key>` or `Authorization: Bearer bc_live_<key>`
- **Single lookup**: `GET /api/bin/lookup?bin=453998&country=US&profile=affiliate&vertical=nutra&price=49.99&payout=20`
- **Batch**: `POST /api/bin/batch` — up to 10,000 BINs per request; returns per-item results plus a `portfolio` summary.
- **Latency**: sub-millisecond (in-memory Go engine).
- **Privacy**: only the BIN is sent; no full card number (PAN) and no cardholder personal data, so it stays out of PCI scope for full card data.

## Pricing

| Plan | Price | Included |
|------|-------|----------|
| Free | $0 | 250 scored lookups/month, forever |
| Free trial | $0 | 30 days full Pro access, no credit card |
| Starter | $79/month | 15,000 lookups |
| Growth | $249/month | 75,000 lookups |
| Scale | $799/month | 350,000 lookups |
| Enterprise | Custom (from $2,000/month) | Unlimited volume, SLA, dedicated support |
| Pay-as-you-go | $0.012/lookup | Top up by card or crypto, no monthly commitment |

## Data & method

Issuer attributes and BIN-level performance are aggregated from open issuer and performance datasets and refreshed daily. Scores and economics are modeled estimates and ship with a `confidence` rating; a BIN with no history of its own falls back to a peer-segment estimate flagged `estimated`. `approval_likelihood` is a modeled planning figure, not a measured authorisation rate.

## Links

- [Home](https://billioncore.tech): product, live demo, audiences, pricing
- [API Documentation](https://billioncore.tech/docs): endpoints, parameters, decision analytics, portfolio, and code examples (curl, PHP, Laravel, JavaScript, Python, Go)
- [Register — free trial](https://billioncore.tech/register)
- [Terms](https://billioncore.tech/terms) · [Privacy](https://billioncore.tech/privacy) · [Refund](https://billioncore.tech/refund)

## Getting started

1. Register at https://billioncore.tech/register and copy your API key from the dashboard.
2. Send your first scored lookup:

```bash
curl "https://engine.billioncore.tech/api/bin/lookup?bin=453998&country=US&profile=affiliate" \
  -H "X-API-Key: bc_live_yourkey"
```