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Binlist vs Municipal Finance API

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

APIBinlistNEW—Municipal Finance APINEW—
Uptime · 30d
Uptime · 90d—%—%
Uptime · 30d—%—%
P50 · ms——
P95 · ms——
Authnonenone
CORSnoyes
HTTPSyesyes
Card requirednono
Commercial useunclearunclear
Data licenseUnverifiedUnverified
Free tierFree — no key (requires 'Accept-Version: 3' header)Free — limits not published
Rate limitRate limited for unauthenticated use; exact limit unpublishedUnpublished
In directory since2026-07-052026-07-05
operationalpartialdownno data

Binlist vs Municipal Finance API: common questions

Which is more reliable, Binlist or Municipal Finance API?

On our scheduled checks, Municipal Finance API leads on measured uptime — Binlist at —% versus Municipal Finance 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 Municipal Finance API need an API key?

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

Can I call Binlist and Municipal Finance API from the browser?

Only Municipal Finance API is browser-friendly — it returns CORS headers over HTTPS. Binlist needs a server-side call or proxy, so factor that into which one fits a front-end project.

Are Binlist and Municipal Finance API free for commercial use?

Binlist has unclear commercial terms, and Municipal Finance 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.