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Reduce payment failures and fraud with verified customer data
Validate bank details, addresses and contact information before money moves.
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Inaccurate data is expensive when payments are involved
A direct debit that fails because the account number was entered incorrectly. A billing address that doesn't match the card. A fraudulent account created with a mobile number that was never verified. Unfortunately, these are routine costs for any business that handles payments or sets up financial agreements with customers.
The frustrating part is that most of these problems are avoidable. Validating the details at the point of entry, before a payment is attempted or an account is created, catches the errors and the fraud before they become an expensive problem.
Where things typically go wrong:
Bank account numbers entered incorrectly at sign-up cause direct debits to fail on the first attempt
Unverified addresses create mismatches that trigger fraud checks and slow down approval processes
Disposable or fake email addresses make it harder to reach customers when something goes wrong
Unverified mobile numbers undermine two-factor authentication and account security
How can Postcoder help?
Postcoder validates the customer details that matter most in a payments or billing context: address, bank account, email and mobile all through a single API.
Bank validation confirms that a sort code and account number are valid and belong to an active account before a direct debit or payment is set up. Address lookup ensures the billing address entered matches a real, verified property. Email and mobile validation confirm that contact details are genuine and reachable. Where you need an extra layer of identity assurance, OTP verification sends a one-time passcode to the customer's mobile at the point of account creation.
The result is cleaner data, fewer failed payments and a compliance process built on verified information rather than assumptions.
What is Postcoder?
Postcoder is a multi-feature API you can integrate into your website or app quickly and easily using pre-built integrations, sample code and API reference, all within clear and well-structured docs. You can be up and running in minutes with a free trial, and Postcoder's support specialists are always on hand if you need help.
Your payments and compliance toolkit
Bank validation
Check sort codes and account numbers are valid and correctly matched before a payment or direct debit is set up. Catch entry errors and reduce failed transactions before they happen.
Learn more about bank validationAddress lookup
Validate billing and correspondence addresses at the point of entry. Verified, structured address data reduces mismatches in payment processing and supports accurate record-keeping for compliance purposes.
Learn more about address lookupEmail validation
Confirm email addresses are valid and deliverable. Flag disposable or role-based addresses so your customer communications and any regulatory correspondence reach the right person.
Learn more about email validationMobile validation and OTP verification
Confirm mobile numbers are real and active on a network. Pair it with OTP verification to add identity confirmation at account creation, a straightforward deterrent to fraudulent sign-ups.
Learn more about mobile validation Learn more about OTP verification
What our customers say
"Postcoder is a single API that provides all the features we need, from address lookup right through to checking email addresses and validating mobile phone numbers. Rather than integrate several APIs, we only had to integrate one."
Carl Horn Head of Digital Servicing and Customer Transformation / Capquest
"I greatly value the high quality of address lookups, which ensures top-tier results from credit checks and eliminates manual searches for our customers. This leads to high customer satisfaction and conversion rates, sometimes exceeding 80% in lending journeys."
J.F. Fintech / G2 review
"We needed verifying address details for our payment platform. Simple, straightforward integration and management."
S.B. Fintech / G2 review
"The API is extremely fast and there's lots of control to prevent fraud."
Verified user Internet industry / G2 review
Award-winning API with top performance, easy admin and great support
Businesses rate Postcoder 4.7 stars out of 5 on the world's most trusted software marketplace.
