Rule Groups

Q: How does the loyalty management system handle the accounting of points accrued from multiple data sources or categories such as e-wallets, credit cards, loans, and investments? Xoxoday’s loyalty solution is designed to handle complex, multi-source accrual scenarios with ease. Whether points are earned through an e-wallet, credit card, loan, or investment product, the platform ensures seamless consolidation while maintaining visibility and control at the source level.

• Multiple Program Support with Unified Bucket: Each category (e.g., VYBE, Credit Card, Loans) can run as an independent program while contributing to a shared points pool for seamless user redemption.
• Independent Source Tracking with Centralization: Accruals from each source are tracked individually, allowing for source-specific analysis while maintaining a centralized loyalty management interface.\
• Source-Specific Rule Customization: Tailor accrual logic uniquely for each source (e.g., different earn rates or bonus logic for credit vs. investments) to align with business objectives.
• Seamless Integration Across Platforms: Easily integrate with e-wallets, banking systems, CRMs, and core financial platforms to automate data sync and accrual processes.
• Consolidated Reporting with Source Attribution: Real-time dashboards and downloadable reports clearly attribute points to their source, ensuring transparency, auditability, and actionable insights.

Q: How is accrual from air and non-air partners handled in the loyalty program software? Xoxoday’s customer loyalty platform supports accrual management across both air and non-air partners through

• Seamless integration with airline systems to calculate and credit points or miles.
• Enabling accrual from non-air partners like hotels, dining, or retail via APIs or custom connectors.
• Real-time tracking and reporting of partner contributions within the loyalty ecosystem.

Q: How does the loyalty management solution handle points caps and exception scenarios? Xoxoday’s loyalty program software includes a powerful accrual engine to support tier-specific rules and compliance needs. Xoxoday’s loyalty program software supports flexible point accrual caps to align with your business strategy. Capabilities include:

• Monthly caps based on program or customer needs
  • Segmented limits by card tier (e.g., lower caps for mass, higher for affluent)
  • Rule-based configurations for maximum points per merchant, channel, or transaction type
  • Dynamic point value management with real-time adjustments—no developer dependency
  • Different caps for loyalty tiers (e.g., premium tiers earn more)
  • Merchant-level and transaction-type caps
  • Limits on monthly earning or redemption amounts
• Spend Thresholds & Redemption Controls:
  • Set minimum thresholds for redemptions
  • Enable auto-expiry of partial balances or inactive points
• Exceptions & Reversals:
  • Automatically exclude non-participating merchants, returned purchases, or cancelled orders
  • Workflow-based reversal handling for disputed redemptions or cancellations

This structure ensures fair, policy-compliant operations that balance user satisfaction with business controls.

Q: Can the system enable redemption of both long-term and short-term points for all promotional programs, and does it support mixing these point types for a single program benefit? Yes. Xoxoday’s customer loyalty platform supports flexible redemption for both long-term and short-term points. It also enables hybrid redemptions where both point types can be combined for a single reward. Key capabilities include:

• Custom Redemption Rules – Define program-specific eligibility for point types.
• Hybrid Point Usage – Combine long-term and short-term points toward one reward.
• Automatic Point Optimization – Prioritizes expiring short-term points for maximum benefit.
• Program Flexibility – Tailor redemption rules across campaigns, tiers, or segments.
• Seamless User Experience – Automatic calculations and clear balance displays ensure hassle-free redemption.

Q: How does the loyalty management system handle point validity and expiry? Xoxoday lets businesses define and modify point validity and expiry rules with ease. Expiry is auto-calculated from the issuance date, and updates can be made anytime via the backend to support campaigns, offers, or program policies.

Q: Can business administrators and super users easily configure rules and masters?

Yes, the loyalty program solution empowers business users with no technical expertise to configure core elements with ease:

• Set up earning and redemption rules using a flexible, rules-driven engine
• Configure master data such as member tiers, accrual logic, and partner integrations
• Manage campaign parameters and bonus rewards via drag-and-drop or point-and-click tools

Q: Will Xoxoday provide guides, FAQs, and T&Cs for the loyalty app and its features? Yes. Xoxoday provides tailored user guides, FAQs, and terms & conditions to help users understand points accrual, redemption, and platform features, ensuring a smooth and engaging experience.

Rule Engine and Data Processing

Q: Can the loyalty engine process at least 3 million transactions monthly and scale with increased volume? The loyalty program infrastructure is built for high scalability and throughput. It can handle over 3 million transactions per month and easily scale as new channels or customer touchpoints are added. With real-time processing, dynamic scalability, and a robust API-driven architecture, the platform ensures uninterrupted performance even under high load, making it ideal for growing enterprises with complex loyalty programs.

Q: How does the loyalty management software support points accrual from referral-based activities? The loyalty system lets users earn points for referring new customers. Points are credited only after a successful referral, ensuring fairness. Real-time tracking of referrals and point accrual builds user trust and gives administrators clear oversight.

Q: Can the system allocate points based on a fixed transaction value, such as USD 100 per point?

Yes, the loyalty management system enables administrators to define transaction-based point allocation rules. For instance, a transaction worth USD 100 can be configured to yield 1 loyalty point. These earning rules can be tailored within the CMS and adjusted at any time to align with promotional strategies or financial models.

Loyalty Points

Q: What types of activities can be configured as sources for point accrual within the loyalty management solution? The loyalty platform supports points accrual from a wide range of activities using a flexible rule engine. Examples include daily app check-ins, milestones, challenges, surveys, article reads, referrals, profile completion, promotional outreach, sales, festivals, birthdays, anniversaries, years of business, and more. Each activity can be activated or customized to meet engagement and retention goals.

Q: Can point sources be configured and updated in line with a changing corporate loyalty strategy? Yes. Xoxoday’s loyalty management solution allows dynamic configuration of point sources. Organizations can define and modify earning criteria, point values, and source logic in real time to align with evolving loyalty strategies, keeping programs relevant and effective.

Q: Can both short-term and long-term loyalty points be reconfigured in terms of currency, terms and conditions, and labels? Yes. Administrators can adjust currency values, expiration timelines, terms and conditions, and category labels for both short-term and long-term points via an intuitive backend. This ensures points cater to different customer segments while maintaining strategic alignment and consistent branding.

Q: Can points be accrued from user activity on third-party applications? Yes. Through secure API integrations, the platform tracks user actions on third-party apps and awards points based on defined activities, ensuring consistent reward attribution across digital touchpoints.

Q: Does the system offer flexibility in defining point accrual currency? Yes. Organizations can define earning rules by spend thresholds or specific activities. The platform supports multi-currency conversions, enabling scalable regional and global deployments.

Q: Can points be revoked in exceptional cases? Yes. Administrators can revoke points for fraud, system errors, or policy violations. All adjustments are logged in an audit trail, and dispute workflows are supported to review and correct any changes.

Q: Is the conversion from points to benefit vouchers calculated at the backend before proforma point adjustments? Yes. The customer loyalty program automates point-to-voucher conversions at the backend, using business rules, discount logic, and tier-based multipliers to ensure accurate calculations before final redemption.

Q: How does the platform handle loyalty point reversal for canceled transactions? The loyalty management software features automated point reversal logic. Points awarded for canceled, refunded, or invalid transactions are automatically deducted from the customer’s balance. All reversals are logged in a detailed audit trail to ensure transparency, accuracy, and protection against misuse.

Q: Does the loyalty management system restrict reward accrual for blocked, dormant, or closed accounts? Yes. Xoxoday’s loyalty management system automatically disables loyalty rewards and point accrual for accounts that are hotlisted, blocked, dormant, or inactive. For permanently closed accounts, any accrued reward points are removed to prevent misuse or fraudulent redemptions. This ensures security, compliance, and integrity within the loyalty ecosystem.

Q: How is the transaction value converted into loyalty points in the platform? The loyalty program software supports configurable conversion logic to translate user transactions into loyalty points. For example, a spending value such as IDR 1,000,000 can be set to equal 100 points. Conversion is applied automatically and immediately reflected in the user’s points balance. Administrators can define or update conversion rules via the backend, offering flexibility across campaigns, customer segments, and industries.

Q: Can the earning point logic be configured dynamically based on different customer scenarios or behaviors? Yes. The loyalty program solution allows dynamic, real-time configuration of point-earning models. Businesses can adjust rules based on campaigns or behavioral triggers—for example, granting 20 points for a first-time app download or 1.5x points for successful referrals based on transaction value. Rules can be updated anytime without technical intervention.

Q: Is real-time crediting of loyalty points after transactions supported? Yes. Xoxoday’s customer retention software supports instant rewards, ensuring that loyalty points are accrued in real time immediately after qualifying transactions. This helps keep users engaged and provides immediate gratification for their actions.

Q: Can clients define issuer-funded offers and control parameters for cashback based on card type, transaction details, and ensure reversal handling? The loyalty management software enables issuer-funded offers with customization for card type, MCC, merchant ID, transaction amount, location, and promotional periods. Clients can configure varying cashback percentages, run multiple offers simultaneously, and the system automatically reverses rewards in case of refunds, chargebacks, or disputes.

Q: Can the earn and redeem point menus be customized based on business requirements? A: Yes the menu can be customized as per the business requirements. The platform provides various configurations to suit your business needs.

Q: Can admins manually add loyalty points for specific activities or events? A: Yes, the loyalty management system includes manual point adjustment functionality. This flexibility allows businesses to create customized incentive campaigns and recognize unique customer behaviors beyond standard earning rules, enhancing the impact of the customer loyalty program.

Q: Can the point accrual and redemption process be configured, including voucher issuance and burning rules? A: Yes, the loyalty program software includes a flexible rules engine that allows businesses to configure point accrual, redemption, and voucher-related workflows. Rules can be set to determine how points are earned or redeemed, when vouchers are released, and under what conditions they expire or are burned. This ensures alignment with custom engagement strategies and business goals.

Q: What is the role of the advanced business rules engine in a loyalty management solution? The Xoxoday-powered loyalty management software includes a robust business rules engine designed to handle complex program configurations. It allows businesses to:

• Define sophisticated accrual and redemption rules based on customer segments, transaction types, or promotional criteria.
• Set rules for milestone-based campaigns, seasonal bonuses, or flight class and tier-specific rewards.
• Evaluate transactions in real time to ensure timely updates and reward allocation.

This ensures scalability and flexibility for running dynamic and diverse loyalty programs.

Q: Does the loyalty platform support rule-based ‘next best offer’ recommendations? Yes, the Xoxoday loyalty program solution includes an advanced offer engine that automatically delivers personalized, rule-based 'next best offers.' It works by:

• Analyzing member activity, transaction history, and stated preferences.
• Presenting tailored offers such as bonus point opportunities, discounts, or exclusive rewards.

This feature enhances the effectiveness of merchant rewards software by optimizing engagement and conversion through personalization.

Reward Rules & Incentives

Q: Can the platform assign rewards like cashback, points, or perks based on specific user actions? Yes. The platform’s Reward Rules Engine supports:

• Fixed and multiplier logic based on transaction volume, type, or partner spends
• Product-specific configurations (e.g., EMI, utility, fuel)
• Cashback, bonus points, or tiered perks triggered by behaviors or events (e.g., weekends, birthdays)
• Experiential redemptions like events, travel, and donations
• Admins can easily configure and update rules without code, making the system highly adaptable.

Rules

Q: Can the system award points for first-time app logins? Yes, the loyalty management solution can capture specific events—such as a first-time mobile app login—and assign points accordingly. Each event is registered through a unique event ID within the system’s rule engine, enabling precise, automated rewards for user actions like onboarding.

Q: Can the system support flexible accrual rules without requiring custom development? Yes. Businesses can modify point values and configure new accrual criteria at any time. New products, customer actions, or touchpoints can be added without backend customization, enabling rapid adjustments and a seamless experience for users.

Q: Can clients set limits on cashback rewards by transaction type, account level, or time period to manage costs? Yes. Clients can define caps on cashback rewards based on period (weekly/monthly), transaction type (MCC, merchant, amount), and hierarchy levels such as account, CIF, or card product type (Debit, Prepaid, Credit, Add-on), helping efficiently manage reward budgets.

Q: How can a client configure cashback accrual and redemption rules in the loyalty management system? The Xoxoday loyalty system supports virtual accounts for accruing cashback, which can be transferred to a customer’s savings or card account. Multiple accounts can be selected via dropdown. Redemption rules are configurable: minimum redemption thresholds, rounding rules, and funded offers credited post-transaction settlement.

Q: How is cashback redemption handled in the loyalty program software? In Xoxoday’s customer loyalty program, cashback redemptions can be directly credited to the customer’s credit card system upon redemption from the rewards site or approved channels. The platform supports:

• Automated cashback crediting: Streamlines payout by integrating with credit card systems for instant credit upon redemption.
• Manual approval workflow: A maker-checker-verifier process is available for manual cashback processing, ensuring added compliance and operational control.

This ensures flexibility in handling both automated and controlled redemption workflows within your loyalty program.