Xoxoday Plum vs. Virtual Incentives
If you're evaluating Virtual Incentives and Xoxoday Plum, this page walks you through where the platforms diverge - and why it matters for your program at scale.
Powering rewards at 5,000+ companies worldwide
Why Xoxoday
Why Companies Choose Xoxoday
Ten capabilities that Virtual Incentives doesn't offer - and that enterprise reward programs can't afford to go without.
True Global Infrastructure
100+ countries, multi-currency, purchase parity, 50+ languages, local tax governance, and flexible data residency across public, private, and on-premise clouds.
Value for Money & Lower TCO
Best-price catalog with no hidden markups. On Generation and On Redemption billing models to match how your finance team operates.
Extensive Catalog
30+ categories across 100+ countries - gift cards, prepaid cards, flights, hotels, experiences, lounges, air miles, charity, mobile top-ups, wellness, and custom rewards. No middlemen.
Amazon Partnership
Direct redemption on Amazon in the US, UK, India, Spain, and Germany. Recipients shop on Amazon's actual website. No other rewards platform offers this.
One Platform for Every Reward Use Case
Employee rewards, consumer promotions, channel incentives, survey rewards, instant payouts, and loyalty programs - without stitching together multiple vendors.
Built-In Enterprise-Grade Controls
Role-based access, budget thresholds, maker-checker workflows, reward rule engine, country-level controls, and approval schedules - built for 50,000+ employee enterprises.
AI Copilot Across the Platform
AI-powered reward recommendations, program optimization, insights and analytics, and automation built into the product - not bolted on.
Unmatched Deployment Flexibility
SaaS Admin Portal, REST APIs, SSO-based white-labeled storefront, SDKs, or iFrames. No-code self-serve or full API control - both supported in one platform.
250+ Integrations
Rewards triggered from MS Teams, Slack, Google Workspace, Workday, SAP, ADP, Darwinbox, Salesforce, HubSpot, Jira, and Zendesk.
Professional Services
Full onboarding consulting and project management. Dedicated CSM, structured MBRs & QBRs, and AI-powered 24/7/365 support across geographies and time zones.
Feature Comparison
How Xoxoday Plum Addresses Feature Gaps with Virtual Incentives
Virtual Incentives has built a genuinely capable payment delivery platform - fast digital issuance of prepaid Visa/Mastercard, 4,800+ eGift card brands, PayPal/Venmo/ACH payouts, and delivery across 51 countries in 43 currencies. These are real strengths, particularly for market research, consumer promotions, and spot recognition. Gaps emerge when enterprises need a loyalty points engine, deep HRIS/CRM integrations, broader reward categories beyond payment instruments, and full program governance controls.
Virtual Incentives' catalog is strong on payment instruments and eGift cards - the gaps show when programs require travel, physical merchandise, experiences, or charity options that go beyond card-based rewards.
** All comparisons are based on open-source data
Beyond the Platform
Beyond the Platform - What You Get When You Choose Plum
Virtual Incentives issues payments. Plum runs reward programs - with the infrastructure, integrations, and team to make them perform at enterprise scale.
When you go live with Plum, you get dedicated Implementation Engineers, structured onboarding, program configuration consulting, and adoption playbooks tailored to your use cases - whether employee recognition, consumer promotions, or channel incentives. Virtual Incentives is primarily API-driven and self-serve with no published implementation consulting or program management layer. Plum deploys with hands-on project management to ensure your program launches with measurable early engagement - not just an API integration that quietly goes live.
Post-launch, a named Customer Success Manager drives program performance through structured Monthly and Quarterly Business Reviews, adoption nudge campaigns for managers and admins, and targeted engagement programs to lift redemption rates. Plum's 24/7 AI-powered support operates across geographies and time zones - critical when you're running programs in the 100+ countries where Plum has local catalog presence, local language support, and local compliance coverage that Virtual Incentives does not match.
On AI, Plum is already live with reward recommendations, program optimization insights, analytics automation, and Xoxoday MCP - enabling AI agents and LLM-powered workflows to interact natively with Plum's reward infrastructure. As enterprises integrate AI into HR, sales, and marketing operations, Plum's MCP layer means rewards can be triggered, tracked, and optimized programmatically by any AI agent - a capability with no equivalent in Virtual Incentives' current product or any disclosed roadmap.
Customer stories
Real results from teams running global reward programs
Leading teams rely on Xoxoday Plum to run scalable rewards and incentives programs with greater control and visibility.
Matt Wale
Head of Growth Marketing, Xero
SaaS · Referral Rewards
We were manually sourcing and sending rewards one by one. With Plum, the entire program runs itself - and our referral program delivered 20% growth year on year.
Our employees really like the Xoxoday rewarding process. The customer service they offer is exceptional and commendable. That was the most important criterion for us when deciding on them.
Human Resource Business Partner
HR Business Partner, H&M
Retail · Employee Rewards
We used to spend weeks coordinating survey incentives manually. With Plum, distribution is fully automated - respondent experience improved and our ops team got that time back.
Ravi Gour
Regional Panel Leader, Asia-Pacific
Media Measurement · Survey Rewards