This section outlines the technical documentation for the Girasol Lotus processing platform. Lotus enables partners  to connect seamlessly with major networks to issue debit, credit, or prepaid cards. Built with top-tier security standards, advanced technology, and a modular API system, Lotus delivers a best-in-class card processing solution.

With highly flexible features, the platform adapts to various business models and scales effortlessly as partners' needs evolve.

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Current Networks Integration

• Mastercard: Debit Standard, Black, and Black Metal

• American Express (Colombia only): Credit Icon, Max, and Select

• Visa: Integration is underway, with availability expected by March 2025.

Lotus is available across Latin America, the Caribbean, and Europe, offering multiple models to suit different business needs and capabilities:

Available Models

1. Processing Only: This model is designed for partners with direct relationships with network schemes (Mastercard, Visa, or Amex). It allows them to connect directly to these networks using Lotus as their processing platform.

2. Processing + Affiliate Sponsorship: This model enables entities to obtain their own affiliate license with Mastercard or Visa, issuing cards under Girasol Lotus processing and Girasol’s Principal Membership license. This approach offers flexibility, allowing entities to operate as independent issuers with their own business rules, models, and logic.

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Modules

These are the features and modules currently integrated into Lotus. We continuously roll out new updates and integrations to ensure Lotus stays aligned with the latest payment trends and evolving industry needs.

1. Card Management

Cards Operations

• Cards and transactions query

• PIN management (change, reset, verification)

• Card states (activation, blocking, freezing)

Card Request

•  Card creation (physical and virtual)

•  Status tracking

Virtual Card

• State management (block, freeze)

• Information query

2. Authorization and Clearing

• Authorization webhooks

• Clearing webhooks

• Financial position details

• Money send operations

3. Authenticate

• Authentication endpoint

4. Internal APIs

• Card management (forced creation)

• Controls and limits (CRUD)

5. Issuer Management

BIN

• CRUD operations

Issuer

• Creation and update

• Enable/disable

Product

• Creation and listing

Sub Issuer

• Complete CRUD

• Enable/disable

User

• Complete CRUD

• Role management

6. Limits-Controls

Management by:

• BIN

• Card

• Issuer

• Processor

• Product

• Profile

Coming soon…

7. Fees

8. 3Ds Authentication

9. Digital Card Tokenization