How does Xoxoday Plum gift card billing and funding work?

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How the prepaid wallet model works

Xoxoday Plum operates on a prepaid wallet model. Your organisation funds the wallet in advance — through bank transfer, corporate card, or approved payment method — and that balance is available immediately for issuing gift cards across any supported denomination. There is no invoicing cycle to wait on and no credit risk to manage. When a reward is issued, Xoxoday Plum deducts the card value from the wallet in real time. If you send a ₹500 gift card to a sales rep after a closed deal, ₹500 is drawn from the wallet balance the moment that card is generated and dispatched. Finance teams always see an accurate, live picture of committed reward spend without reconciling invoices after the fact.

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Flexible top-ups that scale with demand

Reward volumes rarely stay constant. A quarterly incentive run or a company-wide recognition moment can spike issuance well above the weekly average. Xoxoday Plum supports on-demand wallet top-ups, so you can add funds whenever the business requires rather than being locked into rigid prepurchase commitments. This makes Xoxoday Plum well suited to teams running high-frequency reward programmes through HRMS platforms such as Darwinbox, SAP SuccessFactors, or Workday, where reward triggers may be automated and volume can fluctuate based on performance cycles or tenure milestones.

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Low-balance notifications keep you ahead

Xoxoday Plum sends automated notifications when your wallet balance drops to a configured low-balance threshold. You choose the threshold that makes sense for your programme — a high-volume team might set it at one week’s projected spend, while a smaller team might prefer a fixed currency floor. The alert gives whoever manages the wallet enough lead time to top up before issuance is interrupted. This means reward delivery stays continuous even when finance and HR are managing approvals across different time zones or approval chains.

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Why this model suits enterprise reward programmes

Prepaid deduction at issuance removes ambiguity from reward accounting. Every gift card issued maps directly to a deducted wallet transaction, which simplifies audit trails, cost-centre reporting, and budget forecasting. Organisations operating under compliance frameworks such as ISO 27001 or SOC 2 Type II benefit from the clean, traceable transaction model that Xoxoday Plum maintains — each issuance event is logged and attributable to a specific campaign or approver. The result is a funding model that gives HR and finance teams the control they need without slowing down the speed at which employees receive their rewards.

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Learn more: Xoxoday Plum Help Centre — Gifting