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Bill Payment Validator vs Binlist

Same instrument, two spec sheets — measured, not claimed.

APIBill Payment ValidatorNEW—BinlistNEW—
Uptime · 30d
Uptime · 90d—%—%
Uptime · 30d—%—%
P50 · ms——
P95 · ms——
Authnonenone
CORSnono
HTTPSyesyes
Card requirednono
Commercial useunclearunclear
Data licenseUnverifiedUnverified
Free tierFree — limits not publishedFree — no key (requires 'Accept-Version: 3' header)
Rate limitUnpublishedRate limited for unauthenticated use; exact limit unpublished
In directory since2026-07-052026-07-05
operationalpartialdownno data

Bill Payment Validator vs Binlist: common questions

Which is more reliable, Bill Payment Validator or Binlist?

On our scheduled checks, Binlist leads on measured uptime — Bill Payment Validator at —% versus Binlist at —% over 90 days. These are our own probe results, not provider claims; the uptime bars above show the day-by-day record for both.

Do Bill Payment Validator and Binlist need an API key?

Neither needs a paid key — Bill Payment Validator is callable with no signup, and Binlist is callable with no signup. Both are quick to prototype with; rate limits still apply.

Can I call Bill Payment Validator and Binlist from the browser?

Neither sends browser-friendly CORS headers reliably, so call Bill Payment Validator and Binlist from a server or proxy rather than client-side. The CORS and HTTPS rows above show exactly what we detected for each.

Are Bill Payment Validator and Binlist free for commercial use?

Bill Payment Validator has unclear commercial terms, and Binlist has unclear commercial terms. We track service terms and the data license as separate fields — see the Commercial use and Data license rows above, and confirm both before shipping either in a paid product.