Everyday value, delivered through the Visa network
Xoxoday enables curated merchant offers for Visa cardholders and powers Visa-network multi-benefit cards that help employers digitize employee rewards, benefits, and incentive programs.
Curated brand offers, every category
Xoxoday sources merchant-funded and co-funded offers from a wide network of brands, helping Visa deliver everyday value and drive card engagement at scale.
Card-on-show at POS
Cardholders show their Visa card at checkout and the discount applies instantly, no separate coupon or app required.
Coupon-based online
For e-commerce, a coupon code unlocks the same brand offer at checkout, extending the programme beyond physical stores.
Non-API, no BIN-locking
Offers deploy without a technical integration project and without restricting eligibility to specific card BIN ranges, so more cardholders qualify from day one.
A brand for every cardholder interest
Local brands in every market Visa operates in, delivered as POS discounts and e-commerce coupons, no catalogue redemption required.
Flexi benefits, powered by Visa
Employees swipe their Visa card to claim flexi benefits and lower their tax outgo.
Tax-saving flexi benefit wallets
Xoxoday sets up separate wallets for each tax-exempt allowance, issued on a Visa card, so employees claim benefits and save tax without any paperwork.
Policy-compliant spending
Merchant Category Code rules route every swipe to the right wallet and block spend that falls outside tax rules, for wallets that support card swipe.
HRMS-integrated reconciliation
25+ pre-built HRMS and payroll connectors keep every wallet transaction categorised and audit-ready in real time.
Card swipes at merchant POS terminals come at no extra cost to employees, except a rare surcharge some banks apply on automatic fuel dispensers.
Built to enterprise security standards
Full certification documentation available on request.
Visa® is a registered trademark of Visa International Service Association. Prepaid cards issued in connection with Xoxoday's benefits platform are issued by licensed card issuers, not by Xoxoday.
Questions about the partnership
Common questions from card network teams, HR teams, and programme managers.
Ready to see it in action? Book a demoNo. Cardholder offers are delivered through a non-API model, card-on-show discounts at point-of-sale and coupon-based redemptions for e-commerce, with no BIN-locking or card-linked dependencies. That keeps deployment quick and easy to scale across geographies without a technical integration project.
Offers are merchant-funded or co-funded and sourced from a wide network of brands across categories like shopping, travel, dining, and entertainment. Xoxoday curates and refreshes the offer set for each market so cardholders see locally relevant brands.
The cardholder offers programme is available across 100+ countries, with country-specific brand coverage built in for each market. The employee benefit card programme is currently available only in India.
Xoxoday's benefits platform uses a Visa-network prepaid card, issued by a licensed card issuer, pre-loaded with employee entitlements across multiple configurable wallets. At point of sale, the card routes each transaction to the correct wallet based on the merchant's category code. Meal spend goes to the meals wallet, fuel spend to the fuel wallet, and so on. Not every wallet is swipable at POS; some are fulfilled through the marketplace instead.
Merchant Category Code (MCC) restrictions are applied at the card level, so employees cannot spend benefit funds at out-of-policy merchants. Every transaction is logged, categorised, and tagged for reconciliation with payroll in real time.
Yes. HR admins set wallet types, spending caps, eligibility rules, and distribution cycles by business unit, grade, location, or tenure. Wallet categories are configurable per market and employer policy.
Xoxoday is SOC 2 Type II certified, ISO 27001 certified, GDPR compliant, and PCI-DSS compliant. For the employee benefit card, Xoxoday operates as an RBI-compliant PPI cobranding partner. Full certification documentation is available on request.
Book a demo using the form on this page. Our partnerships team will respond within two business days and schedule a scoping call to understand your programme structure, whether you are focused on cardholder offers, the employee benefit card, or both.
Book a demo
See Xoxoday in action
Get a personalised walkthrough of the platform. We will show you what is most relevant to your programme and answer every question on the call.
- Live product walkthroughSee the platform in action with a walkthrough tailored to your use case and market.
- 30-minute sessionNo lengthy sales process. One focused call to show you exactly what is relevant.
- Dedicated expertYou speak directly with a solutions specialist who knows your industry.