Skip to main content
Xoxoday Plum issues digital Visa and Mastercard gift cards with zero activation fees across 100+ geographies; for branded network cards such as American Express or Discover, or for physical card formats, any applicable fees are determined by the issuing bank and disclosed transparently before issuance.
Xoxoday Plum supports digital gift card distribution across more than 100 geographies, giving businesses a scalable way to reward employees, customers, and channel partners. Understanding the fee structure before issuing rewards helps organisations plan budgets accurately and avoid surprises at scale.

​
Digital Visa and Mastercard Gift Cards

For digital Visa and Mastercard gift cards issued through the Xoxoday Plum rewards marketplace, there are no activation fees. This applies regardless of reward volume, making digital gift cards a cost-efficient default for large-scale incentive programmes. Whether you are rewarding a distributed sales team or distributing wellness allowances across multiple regions, the zero-activation-fee model keeps reward economics predictable.

​
Branded and Physical Card Formats

For branded network cards such as American Express or Discover, activation fees may apply. These charges are not set or collected by Xoxoday Plum — they are determined by the issuing bank and governed by the card issuer’s regional terms and conditions, which vary by country. Physical gift card formats can similarly carry additional fees depending on the issuer and geography. Xoxoday Plum surfaces all applicable fees at the point of reward selection, so administrators can compare options before confirming an issuance.

​
Fee Transparency at the Point of Selection

Before any card is issued, the Xoxoday Plum administrative dashboard displays the full fee breakdown for the selected reward type and geography. This removes ambiguity and gives finance and HR teams the information they need without consulting external documentation or contacting support. For organisations using Workday or SAP SuccessFactors to manage employee milestone programmes, Xoxoday Plum’s transparent fee reporting makes it straightforward to reconcile reward spend within existing workflows. Reward costs are visible at selection and can be exported for reporting purposes.

​
Administrative Controls and Security

Xoxoday Plum provides a self-serve administrative dashboard that covers the full gift card lifecycle — issuance, activation, cancellation, and redelivery. Real-time reward tracking lets administrators monitor delivery status across all recipients, while multi-currency support ensures global programmes remain consistent regardless of where a recipient is located. Xoxoday Plum is certified under ISO 27001 and SOC 2 Type II, meaning reward transaction data — including card issuance records — is handled under enterprise-grade security standards. This is particularly relevant for organisations in regulated industries where auditability and data protection are non-negotiable requirements. Learn more: Xoxoday Plum Help Centre — Gift card

Visa & Mastercard Digital Gift Cards

Learn how Xoxoday Plum issues fee-free digital Visa and Mastercard gift cards across 100+ geographies with multi-currency support.

Managing Gift Card Issuance and Redelivery

Explore how the Xoxoday Plum self-serve dashboard handles card activation, cancellation, and redelivery for administrators.