Xoxoday Plum determines reward value through a configurable point-to-currency ratio set during programme design, with no markups or breakage under the pay-on-redemption model.
Configurable Point-to-Currency Ratios
Xoxoday Plum gives programme administrators full control over how points translate into reward value. During the programme design phase, your team defines the point-to-currency ratio that best fits your budget and incentive goals. This ratio stays consistent across the entire reward catalog, so participants always know exactly what their points are worth. The most widely adopted configuration is a 1:1 ratio — where 1 point equals 1 currency unit (for example, 1 point = $1.00). Xoxoday Plum also supports alternative ratios such as 1:2 or any custom multiplier your programme requires, giving finance and HR teams the flexibility to align incentives with business objectives without restructuring the broader programme.No Markups, No Breakage
Xoxoday Plum operates on a pay-on-redemption model, meaning your organisation is charged only when a participant actually redeems a reward — not when points are issued. Points are never marked up, and the value of a catalog item directly matches the point value the participant spends. This model eliminates breakage — the common industry practice where unredeemed points generate revenue for the provider at the programme owner’s expense. With Xoxoday Plum, every unspent point retains its full intended value until it is redeemed.Transparency for Participants
Because the point-to-currency ratio is fixed and disclosed at programme setup, participants browsing the Xoxoday Plum reward catalog always see prices expressed in the same unit as their balance. A participant with 500 points on a 1:1 programme can immediately tell whether they can afford any item — no manual conversion needed. For organisations running programmes integrated with HRIS platforms such as SAP SuccessFactors, Workday, or Darwinbox, Xoxoday Plum syncs point balances in real time, so catalog pricing always reflects the participant’s accurate, up-to-date balance.Choosing the Right Ratio
When configuring a ratio, programme administrators typically weigh three factors: per-participant budget, desired perceived value, and expected redemption frequency. A 1:1 ratio maximises simplicity and auditability — particularly valuable for programmes that require SOC 2 Type II or ISO 27001 compliant reporting. Xoxoday Plum’s onboarding team works with your organisation to configure the ratio during initial setup; no engineering changes are required afterward. Learn more: [Xoxoday Plum Help Centre — Reward Redemption](Reward Catalog Overview
Explore how Xoxoday Plum’s global reward catalog is structured, what categories are available, and how participants browse and redeem rewards.
Pay-on-Redemption Billing Model
Understand how Xoxoday Plum’s pay-on-redemption model works, how your organisation is billed, and why there is no breakage or upfront commitment required.