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SET DocsAPI reference and complianceUpdated 2026-11-10
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Amounts below the minimum

SET Direct Deposit API · Live since 2026-11-10

The problem

A Cash-Out Address has a minimum, and it applies after SET's fee is taken. SET's understanding of the provider's rules is that a payment under that minimum is neither credited to the payee nor returned to the sender. On a Cash-Out Address that means:

  • under 2.00 USDC sent, or
  • under 1.00 reaching the bank after the fee.

Until 10 November 2026 SET answered where to pay without knowing the amount. A partner could be given a Cash-Out Address for a payout that would never arrive.

The answer: tell SET the amount

Send amountUsdc wherever you ask where to pay:

CallWith amountUsdc
POST /api/partner/payees (resolve an email)Body field
POST /api/partner/payees/batch and /batch/{id}/itemsEach item's amount
GET /api/partner/payees/{payeeId}Query parameter
GET /api/partner/address (check an address)Query parameter

For an amount the Cash-Out Address would not credit, SET never answers that address:

  1. If the payee has a Threshold Address, SET answers it (destination: "threshold"). Small payments collect there and go to the bank together once they reach the payee's threshold. See Threshold Address.
  2. Otherwise the payee is status: "below_minimum" (202), with minimumUsdc. There is no address to pay.
  3. The address check answers acceptsPayouts: false, belowMinimum: true.
  4. A payout intent for that amount is 422 below_minimum.
  5. In a batch, such items are counted in summary.belowMinimum and left out of payTo.

What to do with below_minimum

  • Combine several small payouts to the same payee into one.
  • Ask the payee to open a Threshold Address.
  • Or pay a larger amount.

Will this change what I get today?

For most partners, no. Payable Email items start at 2.00, and the fees are 3% and 1.5%, so today's answers are the same. The check matters for direct payments under 2.00, and for any future change to a fee or a minimum. Sending amountUsdc costs nothing and keeps you safe from both.