> ## Documentation Index > Fetch the complete documentation index at: https://docs.simplepay.mx/llms.txt > Use this file to discover all available pages before exploring further. # Evaluate a proposed payment against the tenant's effective SimplePay payment policy > Referencia detallada para POST /v1/payment-policy/evaluate. ## Uso Usalo para inspeccionar o evaluar reglas efectivas antes de crear cobros, reservas o flujos con monto variable. ## Antes de llamar | Tema | Detalle | | ---------------- | -------------------------------------------------------------------------------------- | | Metodo | `POST` | | Ruta | `/v1/payment-policy/evaluate` | | Auth | Bearer API key del ambiente correcto. | | Scope | `policies:read` | | Idempotencia | Recomendada para cualquier retry. Usa una key deterministica por operacion de negocio. | | Guia relacionada | [API Reference overview](/api-reference/overview) | ## Patron recomendado * Ejecuta este endpoint desde backend o job seguro, nunca desde frontend con API keys. * Manda `Idempotency-Key` cuando el endpoint cree, convierta, reprograme, cancele, capture o reembolse estado. * Persiste IDs SimplePay (`spcs_...`, `sppi_...`, `splink_...`, refund IDs o booking IDs) para reconciliacion. * Consulta el bloque OpenAPI de esta pagina para el shape exacto de parametros, body y respuestas. ## Ejemplo minimo ```bash terminal theme={"theme":{"light":"github-light","dark":"github-dark"}} curl -sS -X POST "https://api.simplepay.mx/v1/payment-policy/evaluate" \ -H "Authorization: Bearer $SIMPLEPAY_API_KEY" \ -H "Content-Type: application/json" \ -H "Idempotency-Key: evaluate-payment-policy_v1" \ -d '{ ... }' ``` ## Errores a manejar * `400` indica payload, parametros o estado invalido. * `401` o `403` indican API key, ambiente o scopes incorrectos. * `409` suele indicar conflicto de estado, duplicado o idempotencia incompatible. * `429` y `5xx` se pueden reintentar con backoff; en writes conserva la misma idempotency key. ## Contrato OpenAPI El playground, parametros, body y respuestas de abajo salen de `/openapi.json`. Si el contrato cambia, actualiza la spec y regenera esta pagina. ## OpenAPI ````yaml openapi.json POST /v1/payment-policy/evaluate openapi: 3.1.0 info: title: SimplePay API version: '2026-06-13' servers: - url: https://api.simplepay.mx security: - SimplePayApiKey: [] paths: /v1/payment-policy/evaluate: post: summary: >- Evaluate a proposed payment against the tenant's effective SimplePay payment policy operationId: evaluatePaymentPolicy parameters: - $ref: '#/components/parameters/IdempotencyKey' requestBody: required: true content: application/json: schema: type: object additionalProperties: true required: - amount_minor - currency - payment_method_types - payment_surface - product_key properties: amount_minor: type: integer minimum: 1 currency: type: string enum: - mxn installments: type: object additionalProperties: false description: >- Optional card installments capability request. This is a payment capability, not a SimplePay product. properties: enabled: type: boolean months: type: integer enum: - 3 - 6 - 9 - 12 - 18 desired_months: type: array items: type: integer enum: - 3 - 6 - 9 - 12 - 18 pricing_strategy: type: string enum: - merchant_absorbed - payer_transparent - blended_price - pass_through_plus_margin merchant_financing_markup_bps: type: integer minimum: 0 maximum: 10000 quote_hash: type: string pattern: ^[a-f0-9]{64}$ payment_method_types: type: array minItems: 1 items: type: string payment_surface: type: string enum: - hosted_checkout - payment_link product_key: type: string enum: - hosted_checkout - payment_link - bookable_payments responses: '200': description: Sanitized policy preflight result content: application/json: schema: type: object additionalProperties: true required: - version - allowed - code - pricing - evaluated_methods properties: version: type: string enum: - simplepay_payment_policy_preflight.v1 allowed: type: boolean code: type: string pricing: type: object additionalProperties: true properties: base_amount_minor: type: integer gross_amount_minor: type: integer payer_financing_fee_minor: type: integer merchant_financing_markup_minor: type: integer monthly_payment_minor: type: integer pricing_strategy: type: string enum: - merchant_absorbed - payer_transparent - blended_price - pass_through_plus_margin selected_months: type: integer quote_id: type: string pattern: ^spq_[a-f0-9]{32}$ quote_hash: type: string pattern: ^[a-f0-9]{64}$ quote_expires_at: type: string format: date-time disclosure_snapshot: type: object additionalProperties: true installment_quote: type: object additionalProperties: false description: >- Policy-controlled card installments quote matrix. Use quote_hash on payment creation to detect stale pricing or policy changes. properties: quote_id: type: string pattern: ^spq_[a-f0-9]{32}$ hash: type: string pattern: ^[a-f0-9]{64}$ expires_at: type: string format: date-time snapshot: type: object additionalProperties: true options: type: array items: type: object additionalProperties: false required: - months - customer_total_minor - monthly_payment_minor - payer_financing_fee_minor - merchant_net_minor - simplepay_fee_minor - merchant_markup_minor - platform_margin_minor properties: months: type: integer customer_total_minor: type: integer monthly_payment_minor: type: integer payer_financing_fee_minor: type: integer merchant_net_minor: type: integer simplepay_fee_minor: type: integer merchant_markup_minor: type: integer platform_margin_minor: type: integer display_label: type: string disclosure_text: type: string evaluated_methods: type: array items: type: object additionalProperties: true components: parameters: IdempotencyKey: name: Idempotency-Key in: header required: true schema: type: string minLength: 8 maxLength: 255 securitySchemes: SimplePayApiKey: type: http scheme: bearer ````