Skip to main content
Xoxoday Plum’s merchant wallet solution enables your organisation to fund end-customer wallets from multiple bank accounts — including local, digital, and international banks — through built-in prefunding and invoicing workflows.
Xoxoday Plum’s wallet solution is designed for merchant-led reward and incentive campaigns. It separates the funding layer from the distribution layer, so your organisation retains full control over how money enters the system before rewards reach recipients. This architecture supports both large-scale enterprise rollouts and targeted regional campaigns without requiring a single centralised bank account. Xoxoday Plum supports nominations from local bank accounts, digital banks, and international banking institutions. A multinational organisation running campaigns across regions can draw from the most appropriate banking relationship in each jurisdiction, reducing foreign exchange friction and simplifying treasury reconciliation. Each nominated bank account is tied to a funding workflow that finance teams configure once and reuse across campaigns. The prefunding workflow allows your finance team to load funds into the Xoxoday Plum wallet before campaigns go live. Once prefunded, the wallet balance becomes available for campaign disbursement in real time. This gives finance teams a clear audit trail, predictable cash flow visibility, and a hard spend ceiling — no campaign can exceed what has already been funded. For organisations that prefer invoicing over upfront prefunding, Xoxoday Plum supports invoice-based funding workflows. This is standard in enterprise procurement environments where purchase orders and net payment terms govern spend. For example, when Xoxoday Plum is connected to an HR system such as SAP SuccessFactors or Workday for employee reward campaigns, the invoicing model aligns naturally with existing procurement and accounts payable processes. Xoxoday Plum also integrates with third-party payment gateways to orchestrate prefunding transactions programmatically. Your finance or operations team configures gateway credentials once, enabling automated recurring top-ups that reduce manual intervention during high-volume campaign cycles — such as quarterly sales incentive payouts or annual employee recognition runs. All funding transactions processed through Xoxoday Plum are governed by the platform’s ISO 27001 and SOC 2 Type II certifications. Financial data exchanged between your bank, the payment gateway, and the wallet system meets enterprise-grade security and compliance standards, supporting internal audit requirements and vendor risk assessments. Learn more: Xoxoday Plum Help Centre — Financial

Prefunding Wallet Campaigns

Learn how to configure and manage prefunding workflows for merchant reward campaigns in Xoxoday Plum.

Payment Gateway Integration

Understand how Xoxoday Plum connects with third-party payment gateways to automate funding transactions.