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Product
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 150+ countries with 10M+ rewards, and lift activation, adoption, and retention without a roadmap fight.
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
How product teams embed rewards into every user moment
From the first signup to the millionth payout, here are the programs product teams embed, automate, and scale with one platform.
Activation
Reward the moment of first value, not weeks later
Use Case · 1 of 6
Drive activation and first-session 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.
Activation rewards tied to the first 'aha moment' bend the onboarding curve in the next cohort - not the next quarter.
Feature Adoption
Launch rewards tied to behavioral milestones
Use Case · 2 of 6
Boost feature adoption with milestone rewards
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.
Feature-paired rewards show you which launches actually changed behavior - not just who clicked the tooltip.
In-App Rewards
Points, tiers, streaks - on your domain and brand
Use Case · 3 of 6
Power in-app reward stores with your own brand
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.
Your domain, your brand, your auth - the full reward experience embedded in your product, not a third-party pop-up.
User Research
Instant rewards on completion across 150+ countries
Use Case · 4 of 6
Run user research at scale without the ops burden
Drop the API into Qualtrics, Typeform, dscout, UserTesting, or your own research tool. Issue instant rewards on completion across 150+ countries. Research ops stops being a payroll problem.
Instant post-completion payouts replace the 2-week manual payout cycle - research ops stops being a payroll problem.
Refunds
Swap cash refunds for reward choice in seconds
Use Case · 5 of 6
Automate high-volume refunds and recover sentiment
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.
Reward-choice refunds recover more customer sentiment than cash returns - and resolve in seconds, not business days.
Payouts
Bank, UPI, wallet, or branded prepaid card
Use Case · 6 of 6
Disburse marketplace and creator payouts globally
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.
One API for every payout rail - bank, UPI, wallet, prepaid card - with FX and tax compliance handled automatically.
Use Case · 1 of 6 · Activation
Drive activation and first-session 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.
Activation rewards tied to the first 'aha moment' bend the onboarding curve in the next cohort - not the next quarter.
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
150+ countries, 25+ currencies, 10M+ rewards. Tax automation for 1099, 194R, DAC7. SOC 2, ISO 27001, and GDPR cleared.
The Catalog
The world's largest reward marketplace
Give recipients the freedom to choose what they want from millions of reward options, delivered in their currency and available across 150+ countries.
How real teams used the API to lift activation, scale research, and automate payouts at production volume.
Nielsen
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.
Freshworks
“
The Rewards 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
Samco
“
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
Common Questions
Frequently asked questions
Building a global catalog, virtual card rails, FX handling, fraud signals, and tax reporting is a 12–18 month side-quest for most product orgs. Xoxoday is a single API that gives you 10M+ rewards across 150+ countries, payouts to bank/UPI/wallets/cards, and full compliance - usually live in production within a sprint.
Activation and onboarding rewards. Feature adoption nudges. Beta test and user research incentives. NPS and CSAT triggers. In-app gamification and loyalty stores. Refund automation. Marketplace, creator, and gig-worker payouts. Anything where an event in your product should result in a reward, refund, or payout.
Yes. REST APIs, SDKs, and webhooks plug into any stack - Node, Python, Go, Ruby, Java, .NET. 250+ pre-built integrations with Segment, Amplitude, Mixpanel, HubSpot, Salesforce, Zapier, and more. Embed the catalog via iFrame + SSO, or render it headlessly. Sandbox keys ship the same day you sign up.
A first API call to sandbox takes minutes. An embedded marketplace via iFrame typically goes live in a day. Custom flows - refund automation, marketplace payouts, in-app loyalty store - usually ship within a single sprint. We pair you with a solutions engineer through go-live at no extra cost.
Yes. The catalog auto-filters to brands and denominations valid in each recipient’s country - across 150+ countries and 25+ currencies. Payouts ship via local bank, UPI, wallets, or virtual prepaid cards. 93% of rewards we issue are actually redeemed.
We’re SOC 2 Type II, ISO 27001, and GDPR compliant. Tax workflows handle US 1099, India 194R, EU DAC7, UK HMRC, and Canada T4A. Your security and procurement teams can approve us with no custom legal work - we ship the data-processing addendum, sub-processor list, and pen-test reports up front.
Yes. OAuth 2.0, scoped API keys, IP allowlists, and signed webhooks. Built-in fraud signals catch redemption abuse before it costs you. Embedded surfaces stay on your domain, your branding, your auth - recipients never see a Xoxoday page unless you want them to.
You pay for the rewards and payouts you actually send. No per-MAU or per-API-call platform fees. Sandbox is free. Volume tiers, dedicated infrastructure, SSO, and 24/7 support kick in from the Scale plan onward.