What is PAF and why is it vital to UK businesses?

The Postcode Address File, or PAF, is the UK’s definitive address database. Owned and maintained by the Royal Mail, the data is updated every day, as approximately 90,000 postal workers go about their deliveries and make note of any changes. These daily updates, which Fetchify include automatically in our address search and validation databases, will involve newly built houses, demolished houses, older buildings split into multiple homes or offices, etc. 


The first PAF database, containing every residential and business address in the UK, was put together in the 1980s. Although the address information was being collected digitally, the filing system was still on paper, making updates a laborious and infrequent process. Of course, as technology has advanced, the system has been steadily upgraded and these days, the Royal Mail gathers and disseminates 4-5,000 data updates every day. In recent years, the biggest change to PAF has been a collaboration with the British Forces Post Office to reformat BFPO addresses to match the standard PAF address layout, and to include these addresses in the PAF dataset. 


Why is PAF important? Gathering accurate customer data is vital to so many businesses, whether ecommerce, government organisation, financial services, etc. An inaccurate address can mean your deliveries go missing, a bill could go to the wrong house, you could waste money on paper marketing that doesn’t find its target. Any of these, or a plethora of other issues, will cost your business time in fixing the problem and speaking with angry customers on the phone, money in lost goods, lost packaging and wasted postage, and ultimately, lost customer loyalty. With Fetchify’s simple address lookup and validation API, you can avoid these pains before they even happen. 


Our API allows you to search for any UK address by typing in just a few characters. There are two different PAF-powered options for finding and validating UK addresses: Postcode Lookup and Address Auto-Complete. How do they work? 

 

With UK Postcode Lookup you type in the postcode and then select the correct address from the drop-down menu.


Address Auto-Complete is our global address search and validation solution and PAF is only one of many different data sources that we use. With Address Auto-Complete, you can start typing from any point in the address, whether street name or postal code. The type-ahead address search tool delivers address results from as little as four characters. Simply select the correct address when it appears. Another benefit to Address Auto-Complete is that you can find the right address even if you don’t know the postcode, for example when sending a gift.   


The Postcode Address File lists every deliverable point in the UK. For buildings that are subdivided into multiple homes or businesses which share a single letterbox, PAF can be enhanced by Multiple Residence data from the Royal Mail. The Mutiple Residence Enriched dataset is available as an addition to the Address Auto-Complete search. If you think this additional data could be useful for your business, get in touch at support@fetchify.com and our team will be happy to help. 


Our best in class address lookup and validation API, uses the most up to date and definitive UK and international data sources. This simple addition to your checkout increases conversion rates by substantially reducing the hassle of long forms, increasing your customer’s trust in your website and providing a smoother user experience. The validated address data also reduces failed deliveries caused by customer errors, saving you time and money, providing exceptional return on investment, and making sure you reach the right address every time.

About Fetchify


Fetchify’s address lookup and data validation platforms cover more than 250 countries, and increases customer conversion with the fastest, most accurate customer data capture. Fetchify’s flagship products – Address Auto Complete and Postcode Lookup – reduce friction at the checkout, and also significantly increase the number of successful deliveries. Founded in 2008, Fetchify processes millions of data transactions every day for clients ranging from startups to established high-street names, and offers a full suite of data validation tools, including phone, email and bank, too.

Two colleagues tracking data on an iPad
By Fiona Paton December 3, 2025
New Year. New Approach. The countdown to 2026 is on, and if you want to hit the ground running, it’s time to think about the one thing that can make or break your year: your data. We’ve all heard the saying “start as you mean to go on.” Well, if that start involves messy, inaccurate data, you’re already tripping before you’ve left the starting gates. Clean, accurate customer data is the foundation for everything: smarter campaigns, smoother deliveries, and sales that actually reflect the effort you put in. Without it, you’re fighting uphill from day one. The truth? Bad data isn’t harmless. Every failed delivery, bounced email, or wrong phone number chips away at your bottom line. In the UK alone, dirty data drains an eye‑watering £900 billion a year from businesses. And with 1 in 5 records typically incorrect, each one costs around £81 annually in wasted spend, lost opportunities, or compliance risks. Why it matters? Still need convincing? Here are the stats that show why clean data is non‑negotiable: Confidence in every customer record : Royal Mail PAF makes 3,000–5,000 updates a day - over 1 million a year. Compliance and reduced risk : UK GDPR requires customer data to be accurate and up to date. Get it wrong, and you risk fines of up to £17.5M or 4% of global turnover. Lower delivery failure and service costs : UK businesses lose £1.6 billion a year to undelivered parcels. At £125 per parcel, even small errors add up fast. Protect marketing ROI : 50% of customers walk after a single failed delivery, and 80% won’t come back at all. The Challenge That’s why starting 2026 with a data cleanse isn’t just smart - it’s essential. Clean data means clear visibility, fewer delivery failures, better targeting, and reduced compliance risk - without the operational headache. By tackling bad data upfront, you give yourself the perfect launchpad for growth, instead of joining the many organisations that end up spending 10–30% of their revenue fixing problems after the fact. So here’s the challenge: make 2026 the year you stop letting bad data hold you back. Cleanse it, validate it, and set yourself up for campaigns that connect, deliveries that delight, and results that truly count. The message is clear: dirty data costs growth, trust, and opportunity. By cleansing upfront, you protect your ROI, strengthen compliance, and give yourself the platform to launch a year of real momentum.
By Fiona Paton November 24, 2025
The Background A leading financial services provider needed to strengthen the accuracy of customer information during digital onboarding. They handle thousands of new applications every month and rely on fast, frictionless sign-up journeys that still meet strict compliance, risk and verification requirements. Their existing process struggled with poor quality address and bank details, leading to increased manual checks, slower approvals and higher abandonment. Incorrect or incomplete address data was also creating downstream issues for customer communications, account documentation and regulatory reporting. The organisation wanted a solution that could improve data quality at the point of entry, reduce friction in the onboarding journey and support their compliance teams with more accurate source information. The Solution The client selected Fetchify to enhance customer onboarding with accurate, validated address and bank data as soon as a user enters it. Fetchify provided: Global address validation UK enhanced datasets where deeper detail is available Bank account validation to check the sort code and account number accuracy Simple integration into their digital onboarding flow Consistent formatting to support KYC, AML, and compliance checks By validating information early, Fetchify helped streamline the entire customer journey. The Result After implementing Fetchify, the organisation achieved: Reduction in applications failing due to incorrect address or bank details Faster onboarding with fewer manual reviews Greater confidence in customer identity information Better outcomes for compliance and risk teams Improved data quality flowing into internal systems A smoother experience for new customers Why Fetchify? The organisation chose Fetchify because it offered: Reliable global address validation Additional UK data where extra detail helps accuracy Fast and predictable performance A simple, low-effort integration A single platform for address and bank checks Helpful and responsive support A cost structure that fits digital volume growth The Outcome Fetchify now supports the business with ongoing customer onboarding, ensuring address and bank details are accurate before progressing to further checks. This has reduced operational workload, improved customer experience, and strengthened compliance processes across the customer lifecycle.
Man checking out newly arrived shoe stock to add to his online store
By Fiona Paton November 17, 2025
How an online shoe store is using data validation tools to provide a speedy, frictionless checkout, reducing failed deliveries and increasing ROI
Photo of fields and countryside with Fetchify traditional, postal and ceremonial counties
By Fiona Paton October 27, 2025
Counties are one of those quiet curiosities of UK addressing - the kind of data field that often sparks more debate than you’d expect. Should they be included? Which kind? And do we even need them anymore? As with so many things in data, the answer is: it depends. Three Counties, One Country In the UK, the word “county” doesn’t describe one single thing. It describes at least three - each with its own history, purpose, and quirk: Postal counties were once the backbone of the Royal Mail’s sorting system. They helped machines (and people) get mail to the right place efficiently. But in 1996, Royal Mail officially dropped them, and by 2010, county data was removed from the official address dataset entirely. For the postal system, counties simply no longer exist. Traditional (or historic) counties trace their origins back centuries — the counties of record, land, and local identity. They don’t match today’s administrative borders, but they persist in cultural memory and local pride. To some, these are the real counties of England. Ceremonial counties , meanwhile, are what most modern maps and local authorities recognise today. They loosely align with lieutenancy areas — the basis for everything from local government to BBC weather maps. And just to add another layer, the UK also has metropolitan and non-metropolitan counties used for administration, because nothing in British geography would be complete without a little complexity. So… Do We Still Need Them? For Royal Mail, the answer is simple: no. County names are ignored by modern sorting systems, and they don’t affect delivery. But in the real world of databases, integrations, and overlapping address systems, the answer is less clear-cut. Counties still appear because: Some legacy systems require a county field for validation. Some organisations and couriers still use them for regional routing. And sometimes, humans just like them — they help people orient themselves, especially in places with duplicate town names. It’s a reminder that addresses aren’t just for machines. They’re for people, too — and people often bring context, emotion, and memory into their sense of “place.” The Bigger Picture: One World, Many Formats  Counties are just one example of how geography, history, and technology collide in addressing. Every country — sometimes every region — does it differently. Some use regions, provinces, or prefectures. Some rely on hierarchies of towns and municipalities. Others have no subdivisions at all. For global platforms and data validation providers, that diversity creates a fascinating challenge: how do you standardise something that isn’t standard anywhere? It’s the quiet work of address intelligence — understanding not just where something is, but how people describe it. Why This Matters The goal of address accuracy isn’t to erase local identity or force uniformity; it’s to understand and support variation intelligently. Whether you’re sending a parcel, mapping customer data, or building systems that work across borders, knowing how and why these differences exist is part of getting the data right. So next time you’re faced with that little “County” field — think of it not as a relic, but as a reminder. Behind every address is a history, a structure, and a story. And understanding that story is where true data quality begins.
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