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Xoxoday Loyalife enables loyalty points to be applied against transaction fees within a mobile app through a custom API integration that connects the loyalty engine to your existing payment gateway infrastructure.
Loyalty programs deliver the most value when earned points translate into tangible, in-the-moment savings. One growing requirement — particularly in healthcare and financial services — is allowing customers to redeem loyalty points directly against transaction fees inside a mobile application. Xoxoday Loyalife supports this through a flexible API integration layer that bridges the loyalty points ledger with your mobile payment infrastructure.

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How the Integration Works

Xoxoday Loyalife’s open API architecture allows your development team to connect the loyalty engine to a mobile payment method of your choice. When a customer initiates a transaction, the integration queries their live points balance and presents a redemption option within the payment flow. The payment gateway then processes the net amount after the points-based offset is applied — either partially or in full, depending on your configured redemption rules. This capability is not enabled by default, but it is a well-supported customisation path with documented API endpoints and integration guidance available through the Xoxoday Loyalife developer portal.

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A Practical Use Case

Consider an organisation running a mobile app where users incur a service or processing fee per transaction. With a Xoxoday Loyalife integration, a customer with a redeemable points balance can choose to apply those points at checkout. The app calls the Loyalife API to debit the appropriate points, the payment gateway receives the adjusted transaction amount, and the customer sees the saving reflected in real time. This moment of visible reward — at the exact point of payment — consistently drives higher programme engagement and repeat usage.

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What Your Organisation Needs to Implement This

Three components need to be in place: Xoxoday Loyalife API credentials and documentation (available via the developer portal), a mobile app with an existing payment gateway integration, and a backend service layer that mediates between the two systems. Xoxoday Loyalife’s integration team provides technical guidance throughout the build and testing phases. Every points redemption event is logged within the Loyalife administrator dashboard, giving programme managers full visibility into how points are being applied against transaction fees — essential for auditing and programme reporting.

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Keeping the Redemption Experience Seamless

The most effective implementations surface the points redemption option as a native step in the payment flow, not a separate screen. Xoxoday Loyalife’s API returns real-time point balances, redemption limits, and confirmation payloads in formats that map cleanly to standard mobile UI patterns. This means your customers spend less time navigating and more time recognising the value of their membership — which is the outcome a well-designed loyalty programme is built around. Learn more: Xoxoday Loyalife Help Centre — Loyalty point

Loyalty Points API Integration Guide

Learn how to connect Xoxoday Loyalife’s points ledger to external systems using the developer API.

Configuring Points Redemption Rules

Set point valuation, minimum redemption thresholds, and eligible transaction types for your programme.