> ## Documentation Index
> Fetch the complete documentation index at: https://faqs.xoxoday.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Does Xoxoday Plum work directly with open-loop card issuers?
> Xoxoday Plum partners directly with licensed Visa and Mastercard issuers across the US, Canada, Europe, and APAC — no third-party resellers involved.
Xoxoday Plum partners directly with licensed open-loop prepaid card issuers — including Visa and Mastercard program managers — across the United States, Canada, Europe, and APAC, with no third-party resellers in the chain.
## Direct Issuer Partnerships
Xoxoday Plum works directly with licensed issuers and prepaid card program managers for all open-loop gift card offerings. This direct relationship gives enterprises full transparency into pricing, card provisioning, and dispute resolution without intermediary delays or markups.
Open-loop cards available through Xoxoday Plum include prepaid Visa and Mastercard options, accepted virtually anywhere these networks are recognised. Cards are loaded in denominations from $1 to $2,000 and delivered digitally or physically depending on your organisation's program design.
## Geographic Coverage
In the United States, Xoxoday Plum partners with licensed card program managers to offer both reloadable and single-use prepaid cards. Canadian integrations cover issuers regulated under FINTRAC, with CAD-denominated cards supporting domestic transactions.
Across select European and APAC markets, Xoxoday Plum extends open-loop coverage by working with regional financial institutions and prepaid service providers. All European operations adhere to GDPR and PSD2 requirements, and country-specific financial regulations govern each regional integration.
## Compliance and Vetting
Every card issuance partner is vetted through strict Know Your Business (KYB) protocols, and all programs comply with AML and KYC regulations. For enterprises running large-scale incentive programs through platforms like SAP SuccessFactors or Workday, this compliance layer ensures reward disbursements meet both internal governance standards and external regulatory requirements.
End-to-end card provisioning and delivery are managed via secure APIs, with complete audit trails and transaction-level visibility accessible to enterprise admins at any time.
## Security and Program Controls
Xoxoday Plum provides role-based access control (RBAC) so finance and HR teams can define who holds authority to issue funds. Admins monitor card status, redemption activity, cancellations, and usage through a self-serve dashboard in real time.
Security features include OTP-based redemptions, 3D Secure protocols for card loading, and automated fraud detection through pattern recognition. These controls make Xoxoday Plum well-suited for organisations operating under ISO 27001 or SOC 2 Type II compliance frameworks. To explore country-specific card offerings and the full rewards catalog, visit the [Xoxoday Marketplace](https://stores.xoxoday.com/marketplace/home).
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**Learn more:** \[Xoxoday Plum Help Centre — Geography]\(
See which countries Xoxoday Plum supports for reward delivery, and which local currencies are available for card loading and payouts.
Understand how Xoxoday Plum's KYB, KYC, and AML protocols keep enterprise reward programs compliant across every supported region.
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