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Xoxoday Plum tracks cumulative incentives per participant across multiple studies and reward initiatives, automating IRS W-9 form collection and 1099 reporting to keep every program fully tax-compliant.
When organizations run multiple research studies, survey panels, or reward programs simultaneously, tracking how much each participant has received in aggregate becomes a serious compliance challenge. Xoxoday Plum maintains a unified participant ledger that accumulates reward values across every study or initiative within the platform, giving finance and operations teams a single source of truth. For U.S.-based programs, this matters most. The IRS requires a 1099-MISC or 1099-NEC form whenever a participant receives $600 or more in taxable incentives within a calendar year. Without cross-study tracking, research operations teams risk missing that threshold entirely. Xoxoday Plum monitors cumulative payouts per individual automatically and flags participants as they approach or exceed the reporting threshold—no manual reconciliation required. Automated W-9 Collection Xoxoday Plum includes built-in automation for collecting IRS W-9 forms from participants. When a new participant is onboarded into a rewards program, the platform triggers a W-9 request workflow that captures the taxpayer identification information needed for accurate 1099 filing. This eliminates the year-end scramble that typically consumes research finance teams. Consider a market research firm running five concurrent panel studies. Xoxoday Plum tracks each panelist’s total earnings across all five studies in real time. Once a panelist’s cumulative rewards cross the IRS reporting threshold, the W-9 collection workflow fires automatically—without any manual intervention from the finance team. Integration with Enterprise Finance Systems Xoxoday Plum connects with enterprise HR and finance tools including Workday, SAP SuccessFactors, and Darwinbox, allowing participant reward data to flow directly into the systems your finance team already uses for year-end reporting. This eliminates duplicate data entry and ensures your tax records stay aligned with your compensation and vendor management systems. Compliance Built Into Every Transaction Tax compliance in multi-study programs is not an afterthought in Xoxoday Plum—it is built into the core reward distribution workflow. Every incentive issued is logged against a participant’s profile, timestamped, and attributed to a specific study or campaign. Audit trails are maintained at the transaction level, giving compliance and legal teams the documentation they need if any filing is ever reviewed. This architecture makes Xoxoday Plum suitable for research organizations, clinical study coordinators, and large market research panels where participant volumes are high and reward values accumulate quickly across concurrent programs. Learn more: Xoxoday Plum Help Centre — Financial

Tax Form Automation: W-9 and 1099 Management

How Xoxoday Plum automates IRS W-9 collection and generates 1099 data for year-end tax filing.

Reward Audit Trails and Compliance Reporting

How Xoxoday Plum maintains transaction-level audit logs to support financial compliance and reporting requirements.