BillionCore — sub-millisecond BIN risk scoring

Turn any card BIN into a decision, not just metadata. In under 1ms you get an approve / review / decline call, a risk score with reasons, issuer data, and card-performance signals (rebill, refund, chargeback risk + projected LTV).

Most BIN APIs return brand/bank/country and stop. BillionCore returns a recommendation you can act on — fast enough to run inline at checkout — with the reasoning attached.

Who it's for

• Payments & fraud / e-commerce — screen risky cards by BIN before you ship. Fewer chargebacks, cleaner revenue.
• Affiliate & media-buying teams — flag BINs with poor rebill or high refund/chargeback performance before they erode margins. (Offer-side card performance — not ad-account funding.)

Under the hood

• In-memory Go engine, sub-millisecond, lock-free reads
• Hot-reload, fail-safe, standard-library only
• Privacy-first: BIN only — the full card number is never required or stored

Why it's different

• A decision, not homework
• Fast enough for the hot path
• Transparent — every verdict lists its reasons

Simple to integrate

One REST GET endpoint, JSON, key auth, batch supported. Call it from any stack in minutes. Also on RapidAPI.

Start free — 30-day Pro trial, no card.

👉 Live demo, no signup: https://billioncore.tech