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SET DocsAPI reference and complianceUpdated 2026-11-09
Browse: SET Merchant API

SET Merchant API · Colombia (PSE)

Collect pesos by PSE

POST/v1/cop_payins

Key scope: write · Success: 201

A Colombian payer pays in pesos by bank transfer (PSE) at the provider's payment page, and the customer receives stablecoin. Hand the payer startUrl.

Merchant key A merchant's destination wallet is always its own: beneficiary.type must be "customer"; "platform" is refused with 400 beneficiary_invalid.

Headers

Idempotency-Key string
Optional. The same key and body run once; a replay answers with Idempotent-Replayed: true. Kept 24 hours.

Body

customer stringrequired
An approved customer endorsed for COP.
amount decimal stringrequired
Pesos, at least "100.00".
asset, address, beneficiary as virtual accounts
Where it is delivered and whose wallet that is.
settleTo { wallet }
Instead: USDC into one of the customer's own custodial wallets.
redirectUrl https URLrequired
Where the payer returns after paying.
expiresAt ISO time
When the payment page stops working.
reference string
Your id; the same reference returns the same pay-in.
platformFeeBps integer
Platform keys: the platform's own fee, once SET allows it.

Notes

  • SET sends no payer details: the payer gives them on the payment page, so their identity document never passes through SET or you.
  • PSE payments cannot be returned (returnable: false).
  • COP answers 409 endorsement_required until SET's provider enables COP for SET.
  • Events cop_payin.created, cop_payin.<state>.

Errors

  • 400 amount_invalid
  • 400 redirect_url_invalid
  • 400 expires_at_invalid
  • 400 asset_invalid
  • 400 beneficiary_invalid
  • 400 cop_payin_refused
  • 404 wallet_unknown
  • 409 settle_route_not_supported
  • 409 endorsement_required
  • 409 verification_incomplete
  • 409 customer_closed
  • 401 api_key_required
  • 401 api_key_invalid
  • 401 api_key_wrong_mode
  • 403 scope_missing
  • 429 rate_limited

All codes: Errors.