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

DimensionOfficial directAPI relaySelf-hosted proxy
PriceLowest (list price)Multiplier on topList price + server cost
Payment methodInternational card neededNot neededInternational card needed
ConnectivityNeeds reliable route to endpointDirect accessYou build the route
Technical barrierLowLowestHigh
Main riskAccount flagged/suspendedProvider disappears / throttlingOps 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.