API requests monitoring

I'm a backend developer and spend a lot of my time solving outbound API requests.

My problem with making requests is that you need to check the rate of the calls in order not to get blocked because of exuding the limit rate/number of calls allowed or be overcharged.
Not only that but even a wall balance service can change its response creating bug.

Am I missing something, are there solutions I didn't find and if not then way?