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Xoxoday Loyalife supports advanced reward customization using combinations of card type, MCC code, merchant, location, time period, and transaction amount, and allows multiple loyalty programs to run simultaneously with configurable overlap rules and exclusions.
Xoxoday Loyalife gives loyalty program managers granular control over how and when rewards are earned. Rather than applying a single flat earn rate across all transactions, you can build reward logic that responds to the specific characteristics of each transaction — making programs more targeted, commercially meaningful, and easy to govern.

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Reward Customization Parameters

Xoxoday Loyalife lets you configure reward rules using any combination of the following parameters:
  • Card type — differentiate earn rates between, for example, a premium credit card and a standard debit card
  • MCC code — target or exclude specific merchant category codes, such as dining, fuel, or travel
  • Merchant — apply boosted or restricted earn rates at named merchants or merchant groups
  • Location — scope rewards to specific geographies, stores, or regions
  • Time period — activate seasonal campaigns, weekend multipliers, or time-bound promotions
  • Transaction amount — set minimum spend thresholds or tiered earn rates based on transaction value
These parameters can be combined in a single rule. For example, you can configure a 3x points earn rate that applies only when a gold-tier cardholder spends above a defined amount at a fuel merchant on weekends — giving your team precise control without requiring custom development.

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Running Multiple Programs Simultaneously

Xoxoday Loyalife supports multiple concurrent loyalty programs within a single deployment. Your organisation can run a base earn program, a promotional campaign, and a co-brand partner program at the same time, each with its own rule set and reward structure. This is particularly useful for organisations managing complex card portfolios or operating across multiple business units. A single cardholder can be eligible for several programs at once, and Xoxoday Loyalife evaluates eligibility and reward assignment in real time at the point of transaction.

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Overlap Rules and Exclusions

When a transaction matches the criteria of more than one active program, Xoxoday Loyalife applies the overlap logic you define. You can specify whether rewards stack, whether the highest-value rule takes precedence, or whether a specific program always wins. This prevents unintended double-earn scenarios and keeps program economics predictable. Exclusions work at the same level of granularity. You can exclude specific merchants, MCC codes, or transaction types from any program — for instance, excluding cash advances or government payments from a retail rewards campaign. Exclusions persist across program updates and do not need to be reconfigured when new programs are added. For organisations already running HR or ERP platforms such as SAP SuccessFactors or Darwinbox, Xoxoday Loyalife’s rule engine operates independently of employee data workflows, meaning loyalty program changes do not require HR system updates or additional integration work.

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Governance and Auditability

Every rule configuration in Xoxoday Loyalife is version-controlled and auditable. Your team can review the active rule set at any point, understand which program applied to a given transaction, and make changes with a clear change log — supporting compliance requirements and internal governance processes. Learn more: Xoxoday Loyalife Help Centre — Loyalty program

Configuring MCC-based reward rules

Learn how to target or exclude specific merchant category codes when building reward earn logic in Xoxoday Loyalife.

Managing reward program overlap and priority

Understand how Xoxoday Loyalife resolves conflicts when a transaction qualifies for multiple concurrent loyalty programs.