If you want to call Claude, GPT, or Gemini APIs but the official route is blocked, unreliable, or simply won't take your payment method — a common situation for developers in China and plenty of other places — there are three real paths: official direct access, an API relay, or a self-hosted proxy. None of them is universally "best"; it depends on what you actually need. Here's the breakdown.
Option 1: official direct access
Register directly with OpenAI, Anthropic, or Google, add a card, and call the API as-is.
Upside
- Lowest price — it's just list price, no markup;
- Most stable and fully compliant; new models are available on day one;
- Data goes straight to the official provider, no third party in between.
Barriers
- Needs a card the provider's billing will accept (virtual cards get flagged a lot);
- Needs a reliable connection to the provider's API endpoint from wherever you are;
- Accounts can get flagged or suspended, and appeals are slow and difficult.
Best for: teams with working international payment access and reliable connectivity, where compliance and stability really matter — production workloads, essentially.
Option 2: an API relay
A third party buys capacity upstream and resells it to you through an endpoint you can reach directly, usually OpenAI-compatible — swap in a new base_url and key and you're calling the model.
Upside
- Pay however you already can — no international card needed;
- Direct access, no VPN or connectivity workarounds;
- One key often reaches multiple model providers, so you skip juggling several configs.
Trade-offs
- You pay a billing multiplier, so it costs more than official pricing;
- Reliability depends entirely on the relay's upstream — expect occasional dropouts or throttling;
- Some risk of the provider vanishing, overstating its multiplier, or quietly swapping in a cheaper model;
- Data passes through a third party, so think twice for sensitive use cases.
Best for: individual developers, automation scripts, AI coding tools (Claude Code, Cursor, Cline, and similar), and small teams — anywhere convenience matters more than shaving off every point of risk. Keep deposits small and spread across providers, and check the multiplier carefully; see how to choose an API relay.
Option 3: a self-hosted proxy
Rent a server somewhere with good connectivity to the provider, and run a reverse proxy in front of it (or an open-source gateway like one-api or new-api) that forwards to the official API. Essentially: build your own relay, just for yourself.
Upside
- Price is official rate plus a small server bill — no multiplier;
- You control the route, the keys, and the data end to end — fully auditable;
- Can centralize multiple keys under one setup with load balancing and usage tracking.
Trade-offs
- You still need an official account and a working payment method (this only solves the connectivity problem);
- Real technical overhead — you need to deploy and maintain it;
- The proxy's IP can still get flagged by the provider, so it needs upkeep.
Best for: developers or teams with the technical chops, an existing official account, and a need for stable, low-cost access over the long haul.
All three, side by side
| Dimension | Official direct | API relay | Self-hosted proxy |
|---|---|---|---|
| Price | Lowest (list price) | Multiplier on top | List price + server cost |
| Payment method | International card needed | Not needed | International card needed |
| Connectivity | Needs reliable route to endpoint | Direct access | You build the route |
| Technical barrier | Low | Lowest | High |
| Main risk | Account flagged/suspended | Provider disappears / throttling | Ops burden / IP flagged |
Which one should you pick
A quick decision guide: working international payment + compliance matters most → official direct access; comfortable with ops + want low cost long-term → self-hosted proxy; just want it working fast and can tolerate some risk → an API relay, kept small and spread out. In practice, plenty of people mix approaches: relay for everyday development, official or self-hosted for anything going to production.
If a relay is the route you're taking, use the HowToken directory to filter by model, payment method, and minimum top-up, then test a few with a small deposit before committing.