> ## Documentation Index
> Fetch the complete documentation index at: https://telr-docs.cashfree.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Utility APIs

> There are certain APIs which Telr provides as utility for our merchants. Please go through them and reach out to us for any help.

This API offers two different responses, depending on your access level. While the simple response is free for all users, we charge a setup fees (and annual recurring charges) for the detailed response. You can view the two responses below.

<Warning>
  Card bin accuracy

  We strive to keep our bin database updated with scheme changes. However, there might be scenarios where specific bin updates might not be applied to our system. This can happen because of different reasons. If you are using this API for critical applications like applying merchant discount rate, it is better that you get these details from the card schemes or authorised resellers.
</Warning>

<CodeGroup>
  ```curl request theme={null}
  curl --location 'https://api.cashfree.com/checkout/api/utilities/cardbin' \
  --header 'x-client-id: {clientId}' \
  --header 'x-client-secret: {secretKey}' \
  --header 'x-api-version: 2025-01-01' \
  --header 'Content-Type: application/json' \
  --data '{
      "card_number": "4111111111"
  }'
  ```

  ```json Simple Response theme={null}
  {
      "bank_name": "conotoxia sp. z o.o",
      "country_code": "PL",
      "scheme": "visa",
      "sub_type": "filtered",
      "type": "filtered"
  }
  ```

  ```json Detailed response theme={null}
  {
      "bank_name": "conotoxia sp. z o.o",
      "country_code": "PL",
      "scheme": "visa",
      "sub_type": "retail",
      "type": "credit"
  }
  ```
</CodeGroup>