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Xoxoday Plum supports fund withdrawals from campaign wallets to a nominated bank account via wallet debit APIs, with every debit transaction automatically recorded for reconciliation and transparency.
When campaign budgets are reallocated, reduced, or a campaign closes ahead of schedule, finance teams need a reliable way to recover unused funds. Xoxoday Plum provides wallet debit APIs that allow authorised users to initiate withdrawals from a campaign wallet directly to a nominated bank account, without manual intervention or support-team requests. The wallet debit API is part of Xoxoday Plum’s merchant payout automation capabilities. Once a withdrawal is initiated, the corresponding amount is debited from the campaign wallet and routed to the pre-configured bank account on file. The process is fully programmatic, meaning it can be triggered through existing finance or HR system integrations — including Workday, SAP SuccessFactors, or Darwinbox — as part of a standard budget-adjustment workflow. Every debit transaction is logged automatically in the campaign wallet ledger. This gives finance and procurement teams a complete, time-stamped record of all fund movements, making period-end reconciliation straightforward. Whether your organisation runs a single campaign or dozens across multiple teams, the audit trail remains consistent and accessible. Finance teams can cross-reference wallet debit records against ERP or HRMS data to confirm that withdrawn amounts match authorised budget adjustments. For organisations operating under compliance frameworks such as ISO 27001 or SOC 2 Type II, this end-to-end traceability supports internal audit requirements without additional manual documentation. A practical example: your organisation runs a quarterly incentive campaign for a sales team. Midway through the quarter, the campaign scope changes and a portion of the allocated budget is no longer needed. Rather than leaving funds idle in the campaign wallet, a finance administrator uses the wallet debit API to withdraw the surplus to the nominated bank account. The transaction appears immediately in the wallet ledger and is available for export to your finance system. Nominated bank account details are configured at the account level within Xoxoday Plum. Withdrawals are always processed to the bank account registered against the organisation’s Xoxoday Plum account, ensuring funds are returned to an authorised destination every time. Learn more: Xoxoday Plum Help Centre — Campaign

How do I add funds to a campaign wallet?

Learn how to top up a campaign wallet so your reward budget is available before a campaign goes live.

How do I view campaign transaction history?

Access a full ledger of credits, debits, and redemptions across all your active and completed campaigns.