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APIVerve vs binlist.net

Looking for a binlist.net alternative for production traffic? Compare APIVerve's BIN Lookup and Card Validator APIs against binlist.net on fields, rate limits, access and pricing, and see where each one fits.

  • binlist alternative
  • BIN lookup API
  • Free tier
Explore APIVerve APIs→Compare pricing
Head to head
13APIVerve wins
3Ties
1binlist.net wins

Across 17 compared capabilities · 200 free credits/mo to try.

At a glance

The fundamental difference

Why teams pick APIVerve

BIN lookup and card checks, developer-first

  • Brand, type, issuing bank and country as JSON
  • 6 to 8 digit BINs on every plan, including free
  • Card length, Luhn and security-code rules per BIN
B

Where binlist.net falls short

Free BIN/IIN Lookup Service

  • Free use is throttled to 5 requests an hour, with a 429 beyond that
  • Unlimited access is arranged by email or form, not a self-serve checkout
  • BIN lookup only: no full card number validation
The toolkit

The APIs behind these results

The endpoints behind APIVerve's side of this comparison. One key covers all of them, plus 300+ more.

BIN Lookup/v1/binlookup10 cr→Card Validator/v1/cardvalidator2 cr→Test Card Generator/v1/cardgenerator1 cr→300+ more APIsSame key, same plan→
Detailed comparison

Feature by feature

Every capability, side by side. Green marks the winner.

BIN Data

What each lookup returns for a card prefix

CapabilityAPIVervebinlist.net
Brand, type, issuing bank and countryThe core BIN answer both services return as JSON
8-digit BINsAPIVerve takes 6 to 8 digits on every plan; binlist.net pairs 8-digit support with its paid access
Security code name and sizeCVV, CVC or CID and its digit count for the BIN's scheme
ISO alpha-3 country codeThree-letter code alongside alpha-2 and numeric (paid plans on APIVerve)
EU, EEA and SEPA flagsWhether the issuing country is in the EU, the EEA and the SEPA scheme area, on every plan; binlist.net's country object has no such field
Card country vs customer IPPass the shopper's IP and get its country and whether it matches the card's country (paid plans); binlist.net takes the BIN only
Prepaid flagA dedicated yes/no prepaid field — binlist.net documents one; APIVerve reports debit or credit in type

Card Number Checks

Going from the BIN to the whole card number

CapabilityAPIVervebinlist.net
Card lengths and Luhn rule for the schemeWhich number lengths are valid and whether the Luhn check applies
Full card number validationLuhn checksum and scheme rules on the complete number, via Card Validator
Published test-card detectionFlags Stripe, Adyen and other processor test numbers (paid plans)
Risk score on the card numberA 0-100 score and low/medium/high band (paid plans)
PCI-safe masked echoReturns only the BIN and last four digits, never the full number

Access & Integration

Putting BIN lookups into production code

CapabilityAPIVervebinlist.net
Free tierbinlist.net: 5 requests an hour with no key. APIVerve: monthly free credits with a key
Self-serve paid plansSign up and upgrade online — binlist.net arranges unlimited keys by email or form
Native MCP tools for AI agentsBIN lookup and card validation as callable agent tools
Client librariesTyped SDKs in several languages — binlist.net lists one Node.js package
One key across payment verification APIsBIN, card, IBAN, SWIFT and routing lookups plus 300+ other APIs
The bottom line

APIVerve or binlist.net?

binlist.net is the easiest way to try a BIN lookup: no account, no key, one curl and you have the scheme, type, country and bank.

Use APIVerve if

  • BIN lookups run inside a checkout or a fraud rule
  • You want to upgrade yourself instead of emailing for a key
  • You also validate card numbers, IBANs, SWIFT codes or routing numbers

Use binlist.net if

  • You look up the occasional BIN by hand
  • You need a dedicated prepaid flag
  • You'd rather not sign up for a key
Read the full verdict

For a script you run by hand, that's hard to beat, and it documents a prepaid flag APIVerve doesn't have. The limit shows up when lookups move into a checkout or a fraud rule: the free service stops at 5 requests an hour, and going past that means emailing the operator for a key priced per request plus a subscription. APIVerve's BIN Lookup is built for that second stage.

You sign up and upgrade yourself, 8-digit BINs work on every plan, every answer carries the scheme's card length, Luhn and security-code rules and whether the issuing country is in the EU, EEA and SEPA area, paid plans can check the card's country against the shopper's IP in the same call, and the same key validates full card numbers and covers IBAN, SWIFT and routing checks. Use binlist.net to look up a BIN by hand; use APIVerve when the lookup sits in your production code.

binlist.net questions.

Common questions about switching from binlist.net to APIVerve.

Talk to us →
Is APIVerve a binlist.net alternative?
Yes, for BIN lookups inside an app. Both return the card brand, type, issuing bank and country from the first 6 to 8 digits. binlist.net is free with no signup at 5 requests an hour; APIVerve needs a free API key, offers self-serve paid plans for higher volume, and adds the scheme's card length, Luhn and security-code rules to every response.
What is binlist.net's rate limit?
binlist.net's documentation says free requests are throttled at 5 per hour with a burst allowance of 5, and that it returns HTTP 429 once you pass that. Unlimited lookups need an API key from the operator.
How much does binlist.net cost?
binlist.net is free at 5 requests an hour. Its site lists unlimited access from EUR 0.003 per request plus a subscription fee, arranged by email or a contact form, and points to iinlist.com for a premium dataset with published monthly plans. APIVerve's plans are listed on its pricing page and you can upgrade online.
Does APIVerve return a prepaid flag like binlist.net?
Not as a separate field. APIVerve's BIN Lookup returns the card type (debit or credit), brand, category and issuer. binlist.net documents a dedicated prepaid field, so if that single flag is the deciding factor for you, it's a real difference.
Can I check whether the card's country matches the customer's IP?
Yes, on paid plans. Pass the shopper's IP address with the BIN and the response adds the IP's country and whether it matches the card's issuing country, which is a common signal in checkout fraud rules. Every plan also says whether the issuing country is in the EU, the EEA and the SEPA area. binlist.net returns the card's country only.
Can I validate a whole card number, not just the BIN?
Yes. APIVerve's Card Validator runs the Luhn checksum and the scheme's prefix and length rules on the full number and returns only the masked BIN and last four. Paid plans add published test-card detection and a risk score. binlist.net works on the BIN only.
How do I switch from binlist.net to APIVerve?
Change the URL and add your API key header. Most fields map directly: scheme becomes brand, type stays type, binlist's brand (the product name) is category, bank.name is issuer.name, country.alpha2 is location.alpha2, and number.length and number.luhn become number.lengths and number.luhn.

Test it against binlist.net yourself. Start on the free plan.

Start free→

One key, 300+ APIs

BIN Lookup, Card Validator, Test Card Generator and 300+ other APIs on one key. 200 free credits a month to evaluate; paid plans from $29.99.

See pricing