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Xoxoday treats every loyalty transaction as a financial transaction, with centralized point ledgering, automated reconciliation, ERP integration, and SOC 2 Type II-certified controls built into the platform.
Xoxoday manages the full financial lifecycle of a rewards program — from the moment a point is issued to the moment it is redeemed, settled, or expired. Every transaction is logged with a timestamp and a unique transaction ID in a centralized ledger, giving finance teams a complete, auditable record without manual consolidation.

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Points as Financial Liabilities

Points in Xoxoday carry defined monetary values (for example, 1 point equalling a fixed monetary unit) and are treated as deferred liabilities on the ledger. Issued, outstanding, and expired balances are tracked in real time, so your accounting team always has an accurate snapshot of program liability. This matters especially during close periods when reconciliation with general ledger systems is required.

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Redemption Cost Tracking

Xoxoday supports two funding models: pre-funded wallets and pay-per-redemption. All redemptions through the Xoxoday reward marketplace are tracked by value, category, and volume in real time. For client-managed rewards, fixed or nominal costs are recorded against each redemption event. This gives procurement and finance teams a clear view of spend without needing to chase down individual transaction records.

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Cashback and Merchant Reconciliation

Xoxoday supports cashback programs via merchant wallets, with real-time credits and debits processed at the point of transaction. Automated reconciliation flags discrepancies immediately, and settlement reports for partners and merchants are generated without manual intervention. Campaign performance data feeds directly into invoice generation, reducing billing cycles.

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Multi-Currency and Tax Compliance

Xoxoday supports real-time foreign exchange conversion, VAT and GST inclusion, and region-specific tax rules — making it straightforward to run programs across multiple countries from a single instance. This removes the need for parallel tax workstreams when scaling globally.

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ERP and Payment Gateway Integration

Xoxoday integrates with SAP and Oracle ERP systems to support liability posting, accounts payable data import, and automated approval workflows. Payment collection supports split transactions (points combined with a card payment), co-payments, and upsell flows via major payment gateways. For HR-adjacent use cases, data can flow in from Workday or SAP SuccessFactors to trigger point issuance automatically on qualifying events.

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Fraud Prevention and Audit Trails

Xoxoday applies custom fraud rules, anomaly detection, and usage throttling to protect program integrity. Full audit trails are available as downloadable reports, and the platform’s SOC 2 Type II certification ensures that financial controls meet enterprise security standards. Regular third-party audits validate these controls on an ongoing basis. Learn more: Xoxoday Help Centre — Financial

How does Xoxoday handle point issuance and expiry?

Learn how Xoxoday issues, tracks, and expires points with ledger-level precision and configurable expiry rules.

What integrations does Xoxoday support for HR and ERP?

Explore Xoxoday’s native integrations with SAP, Oracle, Workday, Darwinbox, and other enterprise systems.

How does Xoxoday ensure data security and compliance?

Understand Xoxoday’s SOC 2 Type II and ISO 27001 certifications, access controls, and audit capabilities.

How does the Xoxoday reward marketplace work?

See how employees and recipients redeem points across Xoxoday’s global catalogue of rewards and experiences.