Can I fund my Xoxoday Plum wallet from a bank account?

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Funding Your Customer Wallet via Nominated Bank Account

Xoxoday Plum connects to a third-party payment gateway that allows users to fund a customer wallet directly from a nominated bank account. This removes the need for manual transfers or fragmented workflows, keeping the entire funding process within a single, auditable system. When your organisation needs to load funds for a rewards cycle — whether to distribute incentives across a large workforce or to top up wallets ahead of a campaign — Xoxoday Plum processes the transfer seamlessly. The nominated bank account is pre-registered and verified, so funds move quickly without requiring repeated authentication at every top-up.

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Full Traceability on Every Transaction

Every wallet top-up initiated through Xoxoday Plum is logged with a complete audit trail. Finance teams can track the source, timestamp, and status of each funding action, making reconciliation straightforward at month end. This level of transparency is especially valuable for organisations operating under compliance frameworks such as ISO 27001 or SOC 2 Type II, where financial data handling must be demonstrably controlled and auditable.

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How It Works in Practice

Consider an organisation running a quarterly recognition programme for several thousand employees. The rewards admin funds the customer wallet in Xoxoday Plum using the nominated bank account ahead of the distribution date. Once the balance is confirmed, Xoxoday Plum triggers reward disbursements — with notifications delivered through integrated channels such as Slack or Microsoft Teams. The entire cycle, from wallet funding to employee redemption, is visible within the Xoxoday Plum dashboard. For organisations using HRIS platforms such as Workday, SAP SuccessFactors, or Darwinbox, wallet funding can be timed to align with payroll or performance review cycles managed in those systems, with Xoxoday Plum handling all downstream reward fulfilment.

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Security and Access Controls

Xoxoday Plum enforces strict role-based access on wallet funding actions. Only authorised users with the appropriate permissions can initiate a top-up from the nominated bank account. All transactions pass through the payment gateway’s security protocols, and Xoxoday Plum maintains end-to-end encryption across the funding flow. This ensures your organisation’s financial data remains protected at every stage, from initiation through to confirmation. Learn more: Xoxoday Plum Help Centre — Financial