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Embed rewards in every product loop you ship
Run in-app rewards, instant payouts, and refund automation behind every product surface. Embed via API, reach 100+ countries with 10M+ rewards, and lift activation, adoption, and retention without a roadmap fight.
The Problem
Where product teams lose users, signal, and time
Activation drop-offs, thin research samples, refund backlogs, and manual payouts quietly drag down every metric on the product team’s dashboard.
Activation drop-off
Most new users churn before they ever hit the aha moment. Onboarding emails and product tours alone aren’t enough to pull them through.
Thin research signal
Recruiting beta testers, usability participants, and survey respondents stalls without an incentive - and gift cards by spreadsheet don’t scale.
Refund backlogs
Refund queues stack up across support, finance, and ops. Days-long SLAs erode trust and quietly inflate churn for high-volume products.
Manual payout ops
Paying creators, sellers, and vendors runs on spreadsheets and ACH delays. Engineering keeps getting pulled in to babysit it.
The Playbook
The six programs product teams run on Xoxoday
From the first signup to the millionth payout, here are the programs product teams embed, automate, and scale with one platform. Scroll to see each one.
Drive activation and onboarding
Trigger a reward the instant a user completes signup, finishes a key onboarding step, or hits their first piece of in-product value. Recipients pick from a localized catalog, and your activation curve bends in the next cohort.
Boost feature adoption
Pair each feature launch with a reward for trying it. Tie payouts to behavioral milestones - three sessions, first successful use, team-wide rollout - and learn which feature flags actually move the engagement score.
Power in-app rewards stores
Embed a full reward marketplace inside your app via iFrame + SSO or render it headlessly. Run points, tiers, daily streaks, milestone unlocks, scratch-offs, and spin-to-win - all on your domain, your brand, your auth.
Run user research at scale
Drop the API into Qualtrics, Typeform, dscout, UserTesting, or your own research tool. Issue instant rewards on completion across 175+ countries. Research ops stops being a payroll problem.
Automate high-volume refunds
Plug the refund engine into your support and ops tools to swap cash refunds for reward choice, store credit, or instant virtual cards. Personalize the message, recover sentiment, and resolve in seconds.
Disburse marketplace and creator payouts
Send payouts via bank, UPI, wallet, or branded virtual prepaid card from one API. Handle FX, compliance, and tax reporting automatically. Your finance team stops chasing wires and your ops team stops chasing FX rates.
Capabilities
Built for product. Easy for engineering
API-first, embeddable, and compliant by default. Get your first call to production in a day, not a quarter.
Rewards & payouts API
REST APIs, SDKs, and webhooks for issuing rewards, refunds, and payouts. Headless or embedded - your engineers choose the surface.
Virtual prepaid cards
Issue branded Visa and Mastercard virtual cards on demand. Deliver via SMS, email, or WhatsApp - perfect for instant payouts and refunds.
Embeddable marketplace
Drop the full reward catalog into your product via iFrame + SSO, or render it headlessly with API. Your UI, your domain, your brand.
Refund automation engine
Replace cash refunds with reward choice, store credit, or instant cards. Cut refund SLAs from days to seconds and protect lifetime value.
Real-time webhooks & analytics
Stream redemption, payout, and fraud events into your data warehouse or BI tool. Watch cost, ROI, and engagement live.
Global compliance built in
100+ countries, 25+ currencies, 10M+ options. Tax automation for 1099, 194R, DAC7. SOC 2, ISO 27001, and GDPR cleared.
Customer Stories
Product teams that shipped on Xoxoday
How real teams used the API to lift activation, scale research, and automate payouts at production volume.
Nielsen · Product
Research Operations · Global panel · 30+ countries
Research Payouts via API · Global
The API delivered exactly what we needed - reach, reliability, and the ability to let our panelists pick rewards they actually want. We haven’t had a single failed disbursement.
The Plum API let us ship a milestone-reward flow in a sprint. We saw the activation curve bend within the first cohort - a measurable lift in both completion and time-to-value.
Freshworks · Growth Product
Activation Pod
Activation & Trial · SaaS
Built the in-app rewards store with a single iFrame and SSO handshake. The engineering investment was small; the engagement and repeat-trade lift carried the next quarter’s roadmap conversation.
Samco Securities · Product
Engagement & Retention
In-App Rewards · Fintech