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Binlist vs GOV.UK Pay API

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

APIBinlistNEW—GOV.UK Pay APINEW—
Uptime · 30d
Uptime · 90d—%—%
Uptime · 30d—%—%
P50 · ms——
P95 · ms——
AuthnoneapiKey
CORSnono
HTTPSyesyes
Card requirednono
Commercial useunclearunclear
Data licenseUnverifiedUnverified
Free tierFree — no key (requires 'Accept-Version: 3' header)Free tier — API key required
Rate limitRate limited for unauthenticated use; exact limit unpublishedUnpublished
In directory since2026-07-052026-07-05
operationalpartialdownno data

Binlist vs GOV.UK Pay API: common questions

Which is more reliable, Binlist or GOV.UK Pay API?

On our scheduled checks, GOV.UK Pay API leads on measured uptime — Binlist at —% versus GOV.UK Pay API 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 Binlist and GOV.UK Pay API need an API key?

Binlist needs no key, while GOV.UK Pay API requires a free API key. If you want to start calling without signup, reach for Binlist first.

Can I call Binlist and GOV.UK Pay API from the browser?

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

Are Binlist and GOV.UK Pay API free for commercial use?

Binlist has unclear commercial terms, and GOV.UK Pay API 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.