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Local card declined for overseas AI? cocodot: one card + one key
GeminiUpdated 2026-09

Gemini API Without a Google Account: 3 Flash / 3.7 Flash / 3.1 Pro Pricing (2026)

Google's own API needs an overseas card and blocks some regions. cocodot serves Gemini through an OpenAI-compatible endpoint, Alipay or card — Gemini 3 Flash from $0.45/$2.7 per million tokens, 3.1 Pro and 3.5/3.6 Flash at 90% of list, 3.7 Flash at list price.

TL;DR: Two walls stand between many developers and Gemini: payment (overseas card required) and region availability. cocodot removes both with an OpenAI-compatible relay, Alipay or card, metered. Five commonly used models (USD per M tokens, in/out): Gemini 3 Flash $0.45/$2.7 for high-speed general work (chat, summaries, classification), Gemini 3.7 Flash $0.75/$3.75 and Gemini 3.6 Flash $1.35/$6.75 as the newer reasoning Flash models, Gemini 3.5 Flash $1.35/$8.1 as the multimodal Flash, and Gemini 3.1 Pro $1.8/$10.8 for complex reasoning (inputs >200K: $3.6/$16.2). 3.7 Flash is priced the same as list; the other four are 90% of list. The $0.5 signup credit works on 3 Flash and 3.7 Flash — trial first, pay later.

The two walls

Google AI Studio billing wants an overseas card; the API itself is unavailable in several regions. cocodot's answer is an official-relay, OpenAI-compatible endpoint: no Google account, no card gymnastics — change base_url and call.

How to split the models

3 Flash: high-volume, latency-sensitive, low-value-per-call work (labeling, cleaning, first-pass screening), plus the daily driver role — chatbots, summarization, RAG generation. 3.6/3.7 Flash: newer reasoning Flash models with 1M context; they spend thinking tokens before answering (billed as output, so set max_tokens 1000+) — for work that needs some reasoning without Pro pricing. 3.5 Flash: multimodal input with 1M context. Pro: cross-document reasoning, complex agents, long-context analysis (mind the >200K tier, fully listed above).

Two-minute setup

OpenAI-compatible: base_url https://cocodot.co/api/ai/v1, model set to the code — mgg-7 / mgg-13 / mgg-8 and the rest listed above (using the code directly is recommended). Any OpenAI SDK works — two config lines to migrate an existing project.

Gemini models on cocodot (USD per M tokens; 3.7 Flash at list price, the rest 90% of list)

ModelIDIn / OutRole
Gemini 3 Flashmgg-7$0.45 / $2.7High-speed general: chat, summaries, realtime
Gemini 3.5 Flashmgg-11$1.35 / $8.1Multimodal Flash: 1M context, image input
Gemini 3.6 Flashmgg-12$1.35 / $6.75Newer reasoning Flash: 1M context, thinks first
Gemini 3.7 Flashmgg-13$0.75 / $3.75 (= list price)Latest Flash: 1M context, thinks first
Gemini 3.1 Promgg-8$1.8 / $10.8 (>200K: $3.6/$16.2)Complex reasoning, long context

FAQ

Official models or degraded?

Official relay via licensed cloud vendors. Verify anytime with our open-source checker probe.cocodot.co — including against us.

Image input?

Gemini is natively multimodal; send images per the docs' image-input format. PDF/document input is not supported (upstream limitation) — text and images work normally.

Does the $0.5 trial credit apply?

For the budget models, yes — Gemini 3 Flash (mgg-7) and 3.7 Flash (mgg-13) are inside the trial tier; 3.5 Flash, 3.6 Flash and 3.1 Pro need a balance above zero, so top up a small amount first. Verify your email, test end-to-end, then top up.

About cocodot

cocodot is a payment and AI access service for developers and cross-border teams in mainland China. It provides US-BIN virtual cards issued by a licensed institution — used to pay for overseas subscriptions and ad accounts — and an OpenAI-compatible AI API gateway for calling Claude, GPT and Gemini from within mainland China. Both share one wallet, funded by Alipay and accounted in USD. Card: $9.9 to open, 3% to load, $1 per active card per month; spending: $0.60 settlement fee on purchases under $20; a corresponding fee applies when the issuer charges one.

Service scope, pricing and limits →