Xoxoday Empuls allows employees to top up their reward points with a personal payment method — credit card, debit card, or net banking — to redeem rewards that cost more than their current point balance.
How Co-Pay Redemption Works
During the redemption flow, Xoxoday Empuls automatically calculates the gap between an employee’s available balance and the listed price of the selected reward. The employee can then cover the remaining amount using a credit card, debit card, or net banking — all within the same session, with no separate checkout or third-party redirect. For example, an employee with 800 reward points who wants to redeem a reward worth 1,200 points simply pays the 400-point equivalent in currency and completes the redemption immediately. The process is designed to be self-serve and takes under a minute.Why This Drives Better Reward Outcomes
A rigid points-only catalog often forces employees to settle for rewards that feel arbitrary or uninspiring. Co-pay redemption changes that dynamic entirely. Employees can choose something they genuinely want — a premium gadget, a travel voucher, a curated experience — without waiting until their balance is large enough. This flexibility directly improves reward satisfaction and reduces the sense that recognition programs feel formulaic or transactional. For organisations that have connected Xoxoday Empuls with HRMS platforms such as Darwinbox or SAP SuccessFactors, employees can check their live reward balance and initiate redemptions inside their existing HR workflow. When Xoxoday Empuls is integrated with Microsoft Teams or Slack, redemption confirmations and balance updates appear in the same channels where employees already collaborate — keeping the process seamless and visible without requiring a separate login.Security and Payment Compliance
Xoxoday Empuls processes co-pay transactions through PCI-DSS compliant payment gateways. The platform holds ISO 27001 and SOC 2 Type II certifications, which means personal payment information is handled with the same security controls applied to all employee data across the system. Employees can transact with confidence, and HR and finance teams have full audit visibility without accessing payment credentials.Who Benefits Most
Co-pay redemption is particularly valuable where point accumulation is slower — new joiners celebrating a first milestone, high performers eyeing a specific reward, or employees in smaller teams with modest recognition budgets. Rather than capping ambition at the available balance, Xoxoday Empuls keeps the reward experience employee-led and aspirational. Learn more: Empuls Help Centre — Reward programHow do reward points expire?
Understand how Xoxoday Empuls manages point validity periods and what happens to unused balances at expiry.
What does the reward catalog include?
Explore the types of rewards available in the Xoxoday Empuls catalog, from gift cards and merchandise to experiences and charitable giving.