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Both endpoints count toward the rate limits.

When you hit a rate limit

You get 429 with a Retry-After header (also in the body as retry_after), in seconds:
Wait that long, then retry. Retrying a send is safe: claims you already sent come back with created: false.

Sending many claims

Send them in batches of up to 100. 60 requests a minute is up to 6,000 claims a minute per key.