Introduction

This section outlines the technical documentation for the Girasol Lotus Processing Platform. Lotus enables payment entities 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 processing solution.

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

Current Network Integrations

• 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:

Models

1. Processing Only: This model is designed for entities 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.
3. Processing + Co-Applicant/BIN Sponsorship: Designed for entities that do not wish to establish direct relationships with networks, this model allows them to issue cards through Girasol Lotus under Girasol’s Principal Membership license with Mastercard. This option is jurisdiction-specific and subject to business models and rules defined by Girasol. Further details are available in the Co-Applicant/BIN Sponsorship section.

Affiliate/Issuer

Feature of an issuer integrated into the platform.

• BIN sponsor

• Custom HSM provider integration

• Custom embosser provider integration

• Authorization/Notification/Clearing

• Custom tokenization provider integration

• Manage Sub/Issuers

• Card life cycle

• Transaction controls

Co-Applicant/Sub-Issuer

Features of a sub-issuer integrated into the platform.

• BIN range provide by issuer

• HSM Provider Same that issuer

• Embosser Provider Same that issuer

• Authorization/Notification/Clearing

• Tokenization Provider Same that issuer

• Card Life Cycle (only your cards)

• Transaction Controls (sub-issuer or PAN level)