> ## 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.

# Retrieve the effective SimplePay payment policy for the tenant environment

> Referencia detallada para GET /v1/payment-policy/effective.

## Uso

Usalo para inspeccionar o evaluar reglas efectivas antes de crear cobros, reservas o flujos con monto variable.

## Antes de llamar

| Tema             | Detalle                                           |
| ---------------- | ------------------------------------------------- |
| Metodo           | `GET`                                             |
| Ruta             | `/v1/payment-policy/effective`                    |
| Auth             | Bearer API key del ambiente correcto.             |
| Scope            | `policies:read`                                   |
| Idempotencia     | No aplica para lecturas.                          |
| Guia relacionada | [API Reference overview](/api-reference/overview) |

## Patron recomendado

* Ejecuta esta lectura desde backend cuando incluya datos privados del tenant.
* 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 "https://api.simplepay.mx/v1/payment-policy/effective" \
  -H "Authorization: Bearer $SIMPLEPAY_API_KEY"
```

## Errores a manejar

* `400` indica payload, parametros o estado invalido.
* `401` o `403` indican API key, ambiente o scopes incorrectos.
* `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 GET /v1/payment-policy/effective
openapi: 3.1.0
info:
  title: SimplePay API
  version: '2026-06-13'
servers:
  - url: https://api.simplepay.mx
security:
  - SimplePayApiKey: []
paths:
  /v1/payment-policy/effective:
    get:
      summary: >-
        Retrieve the effective SimplePay payment policy for the tenant
        environment
      operationId: getEffectivePaymentPolicy
      responses:
        '200':
          description: Effective payment policy
          content:
            application/json:
              schema:
                type: object
                additionalProperties: true
                required:
                  - version
                  - entitlements
                  - payment_surface_policies
                  - payment_method_policies
                  - installment_policies
                  - velocity_limits
                  - usage_posture
                  - operation_policies
                  - risk_posture
                properties:
                  version:
                    type: string
                    enum:
                      - simplepay_effective_payment_policy.v1
                  risk_posture:
                    type: object
                    additionalProperties: true
                  usage_posture:
                    type: object
                    additionalProperties: true
components:
  securitySchemes:
    SimplePayApiKey:
      type: http
      scheme: bearer

````