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Xoxoday Loyalife enables issuer-funded offers with granular controls across card type, MCC, merchant ID, transaction amount, location, and promotional period, while automatically reversing rewards on refunds, chargebacks, or disputes.
Xoxoday Loyalife supports issuer-funded offer programmes that give card issuers and financial institutions precise control over how cashback rewards are structured and delivered. Rather than applying a blanket cashback rate to all transactions, you can define conditional rules that respond to real transaction context — card segment, merchant category, spend threshold, and more.

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Granular Offer Parameters

Each offer configured in Xoxoday Loyalife can be scoped across multiple dimensions simultaneously: card type (credit, debit, or prepaid), Merchant Category Code (MCC), specific merchant IDs, minimum or maximum transaction amounts, cardholder location, and promotional time windows. This level of specificity means a fuel cashback programme can be restricted exclusively to petrol station MCCs while an unrelated grocery promotion runs at the same time — each governed by its own rules, with no manual separation required. Cashback percentages are configurable per offer, so your organisation is not locked into a single rate across all campaigns. A premium card tier can carry a higher cashback rate than a standard tier, even when both programmes are live.

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Running Multiple Offers Simultaneously

Xoxoday Loyalife allows concurrent offers without conflict. Each offer maintains independent eligibility logic and validity windows, enabling a rotating promotional calendar across card segments. For example, a premium credit card cohort might earn 5% cashback at electronics retailers during a festive promotional window, while a standard debit segment earns 2% on grocery transactions — both active, both tracked separately within the same programme instance, with no reward duplication.

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Automatic Reversal Handling

When a qualifying transaction is later refunded, charged back, or disputed, Xoxoday Loyalife automatically reverses the associated cashback reward. This applies to both full and partial reversals and requires no manual intervention from your operations team. The result is an accurate reward ledger that stays consistent with settled transactions, reducing reconciliation overhead and audit exposure significantly.

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Aligning with Broader Incentive Structures

For organisations that manage employee or partner incentive programmes alongside card-linked cashback, Xoxoday Loyalife’s offer engine connects through its API layer to existing systems. Organisations using Workday or SAP SuccessFactors for incentive tracking can align cashback programme data with wider benefit and reward reporting pipelines. Offer performance — redemption rates, cashback volumes, and offer utilisation by card segment — is available in the Xoxoday Loyalife analytics dashboard in real time, giving programme managers a clear picture of campaign effectiveness without exporting to separate tools. Learn more: Xoxoday Loyalife Help Centre — Loyalty program

Setting Up Cashback Offer Rules

Configure cashback rates, eligibility criteria, and validity windows for issuer-funded offers in Xoxoday Loyalife.

Transaction Reversal and Chargeback Handling

Understand how Xoxoday Loyalife automatically reverses rewards when transactions are refunded or disputed.