Xoxoday Plum supports split payment at checkout, enabling recipients to combine Rewards Points and Digital Wallet balance in a single transaction, with minimum point thresholds and partial redemption rules fully controlled by the program administrator.
Split Payment on Xoxoday Plum
Xoxoday Plum supports a “points + wallet” split payment model, meaning a recipient can apply their accrued Rewards Points alongside any available Digital Wallet balance to complete a single purchase. Neither currency needs to cover the full order value — both are applied together at checkout. This removes a common friction point in rewards programs where recipients either lack enough points to redeem a reward entirely or hold idle wallet balance they cannot easily spend. With split payment, both currencies work in tandem.How Redemption Rules Are Configured
Program administrators control the exact parameters of split payment through the Xoxoday Plum admin console. Configurable rules include a minimum points threshold required before points can be applied, whether partial point redemption is permitted, and whether wallet balance can make up the remaining amount. These rules are applied consistently across all recipient-facing redemption journeys. For example, an administrator running an employee recognition program integrated with Darwinbox or SAP SuccessFactors can set a rule requiring recipients to use at least 500 points per transaction, with any shortfall covered automatically by wallet balance. This keeps point velocity healthy while still giving recipients immediate access to their rewards.What Recipients Experience
At checkout in the Xoxoday Plum storefront, eligible recipients see a clear breakdown of their available Rewards Points balance and Digital Wallet balance. The system automatically calculates a compliant combination based on the configured rules and presents it to the recipient before confirmation. No manual calculation is required on the recipient’s side. If a recipient’s point balance falls below the configured minimum, the transaction proceeds using wallet balance alone — or is blocked, depending on how the administrator has configured the fallback behaviour.Why This Matters for Program Design
Split payment significantly increases reward utilisation rates. Recipients who accumulate small point balances over time no longer face an all-or-nothing redemption scenario. Administrators also benefit because configurable minimums encourage recipients to save toward higher-value redemptions rather than redeeming points prematurely for low-value items. Xoxoday Plum’s underlying infrastructure handles currency reconciliation, audit trails, and transaction records for both points and wallet in a single ledger entry, simplifying reporting for finance and HR teams alike. Learn more: Xoxoday Plum Help Centre — GeneralHow Rewards Points Redemption Works
Understand how recipients earn, accumulate, and redeem Rewards Points across the Xoxoday Plum storefront.
Digital Wallet Balance — Overview
Learn how the Digital Wallet is funded, managed, and spent within a Xoxoday Plum rewards program.