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Xoxoday Loyalife determines the loyalty point accrual date using the transaction realized date, ensuring points are credited to a member’s account only after the payment is fully processed and settled in the system.
When a member completes a purchase, Xoxoday Loyalife does not credit loyalty points at the moment the transaction is initiated. Points are awarded based on the transaction realized date — the date on which the payment is confirmed as successfully processed and fully settled within the system. This distinction matters because payment processing involves multiple stages: authorization, capture, and final settlement. A transaction may be authorized at the point of sale but not yet cleared by the acquiring bank or payment gateway. Xoxoday Loyalife waits until settlement is confirmed before triggering point accrual, keeping the loyalty ledger accurate and aligned with actual revenue.

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Why the realized date — not the transaction date?

Using the transaction initiation date can create discrepancies when payments are later declined, disputed, or reversed. Points credited prematurely against an unsettled transaction would need to be clawed back, creating friction for members and administrative overhead for your loyalty operations team. By anchoring accrual to the realized date, Xoxoday Loyalife ensures the points ledger remains consistent with confirmed financial events.

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How this works in practice

Consider a B2B loyalty program for channel partners. A distributor places an order on Monday, but the payment is settled by their bank on Wednesday. Xoxoday Loyalife records Wednesday as the accrual date — points appear in the member’s account after Wednesday’s settlement confirmation, not at the time of order placement. For programs integrated with ERP or CRM platforms such as SAP SuccessFactors or Workday, this realized-date logic carries through seamlessly. Transaction data flowing from these systems into Xoxoday Loyalife retains settlement timestamps, so point accrual stays synchronized with your organization’s financial records without manual reconciliation.

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Member visibility and notifications

Once points are credited on the realized date, Xoxoday Loyalife triggers automated member notifications through connected channels such as Slack or Microsoft Teams, confirming that points are now available in their account. Members stay informed and engaged without being exposed to the complexity of underlying payment settlement timelines.

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Audit and reconciliation

The transaction realized date also serves as a reliable audit anchor. When your finance or loyalty operations team reconciles point issuance against payment records — whether at month-end or quarter-end — each credited entry in Xoxoday Loyalife maps directly to a confirmed settlement event. This makes reconciliation straightforward and produces a defensible audit trail, supporting compliance with frameworks such as ISO 27001 and SOC 2 Type II where traceability of system events is required. Learn more: Xoxoday Loyalife Help Centre — Loyalty points

How do loyalty points expire?

Understand the expiry rules that govern point validity windows and how Xoxoday Loyalife handles grace periods and notifications before points lapse.

How are reversed transactions handled for points?

Learn how Xoxoday Loyalife deducts or voids loyalty points when a settled transaction is subsequently refunded or reversed.