recursively iterating struct and set fields with go using reflect

I want to build the program that sets field of struct using reflection. I made it work for top-level field but I am struggling with nested struct field. How can iterate over nested struct field?

type Payload struct {
    Type    string   `json:"type"`
    SubItem *SubItem `json:"sub_item"`
}

type SubItem struct {
    Foo string `json:"foo"`
}

func main() {
    var payload Payload
    setValue(&payload, "type", "test1")
    setValue(&payload, "sub_item.foo", "test2")
}

func setValue(structPtr interface{}, key string, value string) {
    structValue := reflect.Indirect(reflect.ValueOf(structPtr))
    for i, subkey := range strings.Split(key, ".") {
        isLast := i == len(strings.Split(key, "."))-1
        var found bool
        // this line is crashing with "reflect: call of reflect.Value.NumField on zero Value"
        for i := 0; i < structValue.NumField(); i++ {
            field := structValue.Type().Field(i)
            jsonTags := strings.Split(field.Tag.Get("json"), ",")
            if jsonTags[0] == subkey {
                found = true
                if isLast {
                    if isLast {
                        // last element
                        // TODO set value
                        fmt.Printf("TODO set value %s to %v", value, structValue)
                        structValue = reflect.Indirect(reflect.ValueOf(structPtr))
                    }
                } else {
                    structValue = reflect.Indirect(reflect.ValueOf(structValue.Field(i).Interface()))
                }
                break
            }
        }
        if !found {
            panic(fmt.Errorf("failed to find field %s", key))
        }
    }
}