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Xoxoday Plum supports pay-as-you-go purchasing using tokenized bank card payments managed through the ADNOC app and its payment gateway, with full compliance at every transaction.
Pay-as-you-go is a flexible billing model that lets teams fund rewards and incentives on demand rather than maintaining a prepaid balance. For organizations operating within the ADNOC ecosystem, Xoxoday Plum fully supports this model through tokenized card payments stored and managed inside the ADNOC app and its underlying payment gateway.

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How Tokenized Card Payments Work

When a bank card is saved in the ADNOC app, it is stored as a secure token rather than raw card data. Xoxoday Plum integrates with this payment gateway to process transactions against the stored token, so card details never pass through Xoxoday Plum’s servers in plaintext. This architecture meets PCI-DSS requirements and aligns with Xoxoday Plum’s broader compliance posture, which includes ISO 27001 certification and SOC 2 Type II attestation.

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Pay-As-You-Go in Practice

A procurement or HR team running a spot-recognition program through Xoxoday Plum can trigger individual reward sends—for example, a gift voucher dispatched via a Darwinbox automation or a Slack-triggered kudos flow—and each transaction is charged to the ADNOC-linked card token at the moment of dispatch. There is no need to top up a wallet in advance; funds are pulled at the point of transaction. This removes the overhead of float management and ensures finance teams pay only for rewards that are actually sent. For organizations using SAP SuccessFactors or Workday as their system of record, this model also enables transaction-level reconciliation. Each charge maps back to a specific employee event or recognition action rather than being drawn from an opaque prepaid pool, making spend reporting straightforward.

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Compliance and Data Security

Xoxoday Plum processes tokenized payments in a way that keeps sensitive card data within the ADNOC app’s PCI-compliant vault. The token exchanged is scoped to each transaction and cannot be reverse-engineered to expose the underlying card number. This data-minimization design satisfies the requirements that enterprise InfoSec and legal teams typically require before approving a new payment integration.

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Getting Started

Enabling pay-as-you-go via an ADNOC app–linked bank card requires adding the tokenized payment method through Xoxoday Plum’s billing settings and confirming gateway permissions with your ADNOC account administrator. Once connected, all subsequent transactions debit the saved card automatically, with a full audit trail available in the Xoxoday Plum admin console. Learn more: Xoxoday Plum Help Centre — General

Supported Payment Methods on Xoxoday Plum

Explore all payment options Xoxoday Plum supports, including prepaid wallets, invoicing, and tokenized card payments.

Compliance and Security Certifications

Learn how Xoxoday Plum meets ISO 27001, SOC 2 Type II, and PCI-DSS standards to protect payment and user data.