# Spaw vs Loqate: address verification API comparison

How Spaw and Loqate compare on pricing, billing rules, the registers behind each answer and limits, from Loqate's public pages checked on 2026-09-10. Corrections: support@spaw.co.

| | Spaw | Loqate |
| --- | --- | --- |
| Pricing model | Pay-as-you-go credit packs, or optional monthly plans that deposit the same credits every month for less; both through Stripe Checkout, credits from either never expire | Pay-as-you-go credit purchases of £50, £100, £250, £500 and £1,000, each buying a lower per-lookup rate, plus bespoke plans; there are "no setup costs" |
| Free tier | 10 free credits every month, no card required | A trial rather than a standing tier: "Start your 45-day free trial" |
| Price per 1,000 at about 10k | $7.80 (Growth pack: 5,000 credits for $39), or $5.80 on the Growth monthly plan (5,000 credits for $29 a month) | £48 to £83 per 1,000 Address Verify lookups depending on tier (8.3p a lookup on the £50 tier down to 4.8p on the £1,000 tier). Address Capture is 6.9p to 4p in the UK and 6.8p to 3.9p for the rest of the world. |
| Price per 1,000 at about 100k | $4.99 (Volume pack: 100,000 credits for $499), or $3.99 on the Volume monthly plan (100,000 credits for $399 a month) | The £1,000 purchase is the largest published tier: £48 per 1,000 Address Verify lookups (4.8p). Larger volumes are quoted bespoke. |
| Addresses no register covered billed | An address that stands as written costs 1 credit whether or not a register carried the building; where no register covers the country, exists answers null rather than a verdict | not on the pages read |
| Addresses that cannot stand billed | No: an address that cannot stand as written is free whatever the reason, and so are repeats within 7 days and rows repeating an address already in the same job | not on the pages read |
| Registers held | Six national address registers, each named in the answer with the coverage its own publisher claims: the United States National Address Database and the French Base Adresse Nationale, both partial, and the Swiss, Austrian, Czech (RÚIAN) and Norwegian (Matrikkelen) registers, all complete. Absence from a partial register is never read as evidence that an address does not exist. | Not published as a register list on the pricing page, which states only "international data for over 245 countries and territories". |
| Country coverage | 206 countries and territories for the line layout, required fields and postcode pattern; 52 postal operators' rules for naming a delivery point that is not a street; 6 address registers; the ONS Postcode Directory for Great Britain, with Northern Ireland excluded because reusing BT postcodes needs a separate licence. | "international data for over 245 countries and territories" |
| Claims post is delivered | No, and every answer says so: is_deliverable, is_cmra, is_vacant and is_residential answer null because that check is licensed and not enabled here. exists is a match in a national address register, never a statement that post arrives. | Not stated. Address Verify is priced as a separate and dearer service than Address Capture (8.3p against 6.9p at the smallest tier), but the pricing page does not say what it establishes about the delivery point. |
| Bulk limit | 100,000 addresses per bulk job, with an HMAC-signed completion webhook | not on the pages read |
| Batch API | 100 addresses per synchronous request | not on the pages read |
| Rate limit | 50 requests per second per key on the address endpoints | not on the pages read |
| Official SDKs | Python, Node.js, PHP | not on the pages read |
| Data retention | Nothing: no history row and no log line carrying the address, only a hashed 7-day marker that makes a repeat free. Bulk input lists and result files are deleted with the job after 30 days. | not on the pages read |

## When Loqate fits better

Teams that want address capture in a checkout across many countries, with email, phone and bank validation billed from the same balance.

- Address, email, phone and bank validation all draw on the same credit balance
- Every rate is published per lookup, per tier, on one page
- Store finder services (maps, geocoding, distances) are priced at a fraction of a penny per call
- A 45-day free trial

## When Spaw fits better

Developers who want a written address parsed against its own country's rules and checked against open registers, where a field nobody could evaluate answers null instead of a guess.

- Loqate prices each service separately per lookup; a Spaw credit buys any of its six signals at the same rate
- Loqate publishes a country count, not a register list; every Spaw address answer names the register that answered and whether its publisher calls coverage complete or partial
- Spaw returns 45 fields including the delivery-point type, the postcode's status in the national directory and how many companies are registered at the address
- Spaw charges nothing for an address that cannot stand as written, whatever the reason

## Questions

**Does Spaw charge for addresses no register covers?** An address that stands as written costs 1 credit, whether or not a register carried the building. An address that cannot stand costs nothing, whatever the reason, and a repeat within seven days is free. Where no register covers the country, or where the register that answered covers only part of it, exists answers null — not evaluated — rather than a verdict, and the not_in_register weight cannot fire. Loqate does not publish how it bills them.

**Can I move an address list from Loqate to Spaw?** Yes. Upload the CSV in the dashboard or POST it to the bulk endpoint, up to 100,000 addresses a job; Spaw keeps your columns and adds the 45 answer columns, and a country column gives each row its own country. Rows repeating an address already in the list are answered once, cost nothing, and are counted as duplicates.

**Is there a free tier?** Every Spaw account receives 10 free credits at the start of each month with no card on file, and unused credits accumulate. Loqate offers: A trial rather than a standing tier: "Start your 45-day free trial".

## Sources (checked 2026-09-10)

- [Loqate pricing](https://www.loqate.com/en-gb/pricing/)

Loqate is a trademark of its owner. Spaw is not affiliated with it.

Reference: https://spaw.co/compare/loqate