Our Co-Applicant / BIN Sponsorship solution provides a seamless, end-to-end path for partners to launch white-label card programs—without needing a direct license from Mastercard. Built on our powerful Lotus processing platform and real-time ledger infrastructure, this solution enables partners to issue both virtual and physical cards under Girasol’s Principal Membership with Mastercard. We take care of the licensing, compliance, and backend tech—so you can focus entirely on product and user experience. Partners can issue both virtual and physical Mastercard cards—debit, credit, or prepaid—either integrated into their own product ecosystem or in conjunction with our digital wallet, gwap.

This model provides a comprehensive set of API functionalities to manage the entire card lifecycle, including creation, blocking/unblocking, setting controls, and delete. Detailed information about API endpoints, including methods, fields, and required authentication, is available in the subsequent sections.

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Modules

1. Accounts

This section explains how accounts are created and managed for co-applicants within the Lotus platform. It covers the full account lifecycle—from initial setup and configuration to balance management, hierarchy definition, and account status. You'll learn how co-applicant master accounts are structured, how sub-accounts (such as affiliates or cardholder accounts) are linked, and how funds flow within the account framework.

• Get Accounts

• Get Account Information By ID

• Get Account Information By Email

• Get Transactions By Account

• Create Account

• Cash In Customer Account

• Cash Out Customer Account

• Peer to Peer Transaction

• Change Account Status

2. Cards

This section outlines the card lifecycle management for co-applicant accounts within the Lotus platform. It covers the processes of card issuance, activation, status changes, and the linking of physical and virtual cards to co-applicant accounts. Detailed attention is given to managing card attributes and cardholder data, ensuring secure and compliant handling throughout the entire card lifecycle.

• Get Cards By Company

• Get Card Info By ID

• Get Card Info By Account

• Get Virtual Card Info

• Get Virtual Card Info (dev) —> Returns info without encryptying

• Purchases

• Create Card

• Create Virtual Card

• Change PIN

• Activate Card

• Block Card

• Freeze

• Unfreeze

3. Simulator

This section describes the built-in transaction simulator designed for co-applicant accounts. The simulator enables partners to create and test various transaction scenarios—such as purchases, declines, and reversals—in a secure, controlled environment. When a transaction is created via the simulator, a request is sent to the co-applicant’s webhook for real-time confirmation, allowing thorough testing of integration and workflow before going live.

• Create Transaction —> In this endpoint, a transaction will be created, and a request will be sent to the user’s webhook for transaction confirmation

4. Controls

This section explains how transaction rules and restrictions can be configured and managed for co-applicant accounts within the Lotus platform. Controls can be applied at multiple levels—including co-applicant, card group, or individual card—to define limits based on merchant category, geography, transaction amount, and time. All controls are enforced in real time via API, ensuring immediate effect on transaction authorizations and enhancing security and compliance.

• Create Control for a Sub Issuer

• Create Control for a Product

• Create Control for a Card

• List Rules per Owner

• Update

• Delete

5. Fees

Coming soon…

This section covers how fees are configured and applied to co-applicant accounts, including fixed and percentage-based fees on transactions and account activities. Lotus offers flexible fee management to support diverse business models.