Xoxoday Plum enables banks to configure issuer-funded offers through a flexible rule engine covering card type, Merchant Category Code, merchant ID, transaction location, spend thresholds, and tiered cashback logic—all manageable without core-banking or card-network change cycles.
Card-Level and Merchant-Level Targeting
Offer eligibility can be scoped to specific card types: debit, credit, prepaid, or digital wallets such as Apple Pay and Samsung Pay. Banks can layer merchant-level targeting on top—linking offers to a specific merchant name or Merchant ID—or broaden the scope using Merchant Category Codes (MCC) to cover an entire spending vertical such as dining, travel, or fuel. For example, a bank running a festive-season campaign can configure a cashback offer active only for premium credit cardholders transacting at electronics merchants (MCC 5732) within a defined date window. The entire rule set is created and managed within Xoxoday Plum, with no dependency on card-network or core-banking teams.Location and Amount Rules
Xoxoday Plum supports transaction location filters that distinguish between domestic and international spend. A bank might offer elevated rewards on international transactions to incentivise foreign exchange card usage while maintaining separate cashback rates for domestic purchases on the same card product. Minimum and maximum transaction amount thresholds can also be configured, ensuring rewards activate only when a cardholder reaches a meaningful spend level. These thresholds apply independently or in combination with card type, merchant, and location rules—keeping offer logic precise and commercially deliberate.Tiered Cashback and Parallel Offer Execution
Beyond flat-rate rewards, Xoxoday Plum supports tiered cashback structures. A bank can configure a base cashback rate for spend up to a defined threshold, stepping up to a higher rate beyond it—scoped to a specific merchant, category, or card type. Multiple offers run simultaneously across different cardholder segments, so a travel promotion for credit cardholders and a grocery promotion for debit cardholders coexist without conflict.Automatic Reward Reversal
When a cardholder raises a refund, chargeback, or transaction reversal, Xoxoday Plum automatically reverses the corresponding reward. This keeps the rewards ledger accurate without manual reconciliation, reducing operational overhead for the bank’s loyalty and finance teams and ensuring the programme remains commercially sound under high-volume conditions. This combination of flexible targeting, tiered logic, parallel offer execution, and auto-reversal gives banks a commercially powerful and operationally clean issuer-funded offers capability. Learn more: [Xoxoday Plum Help Centre — Transaction](Tiered Cashback Configuration
Learn how to set up multi-tier reward rules that step up cashback rates based on spend levels, merchant, or card type.
Automatic Reward Reversal on Refunds
Understand how Xoxoday Plum handles reward reversal automatically when transactions are refunded, charged back, or reversed.