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Xoxoday Plum supports both open-loop gift cards — such as prepaid Visa and Mastercard — and closed-loop gift cards redeemable at specific retail or service brands, through a single reward payout platform.
Open-loop gift cards carry a major payment network logo — Visa or Mastercard — and are accepted wherever that network operates, online or in-store. Because they impose no brand restrictions, they are the default choice for global or cross-border programs where recipients span multiple countries and spending preferences vary widely. Closed-loop gift cards are scoped to a single retailer, marketplace, or service brand. This specificity is an asset, not a limitation — when a program targets a geography where a particular brand commands strong consumer loyalty, a closed-loop card feels more intentional and high-value than a generic prepaid card. Xoxoday Plum’s catalog spans thousands of closed-loop options across major markets, covering categories from e-commerce and food delivery to travel and wellness. Xoxoday Plum handles both card types through a unified payout infrastructure, removing the need to manage separate vendor relationships for each card category. Reward operations teams can configure open-loop and closed-loop rewards within the same campaign, assigning card types by recipient segment, region, or reward occasion. For HR-driven programs running through systems like Workday, SAP SuccessFactors, or Darwinbox, Xoxoday Plum triggers reward payouts automatically on milestone events — onboarding completion, performance review outcomes, or tenure anniversaries. Notifications surface through Slack or Microsoft Teams so recipients know their reward is ready, regardless of whether it’s an open or closed-loop card. Currency conversion, denomination management, and instant digital delivery are handled end-to-end by Xoxoday Plum, which means a single program configuration can distribute rewards across geographies without manual intervention per region. Xoxoday Plum is certified under ISO 27001 and SOC 2 Type II, ensuring that every card transaction — open or closed loop — meets enterprise-grade data security and privacy standards. Learn more: Xoxoday Plum Help Centre — Gifting

Global Gift Card Catalog and Coverage

Explore the breadth of open-loop and closed-loop gift card options available across regions, currencies, and brand categories on Xoxoday Plum.

How Reward Payouts Are Delivered

Learn how Xoxoday Plum handles instant digital delivery, denomination management, and multi-currency payouts for gift card rewards.