Panduan Terbaik Anda untuk Kad Ganjaran Prabayar Maya - Seketika, Selamat & Pemberian Mudah

A study by Straits Research reports that the global prepaid card market size was valued at USD 3.36 trillion in 2024 and is projected to reach USD 12.67 trillion by 2033, growing at a CAGR of 15.9% during the forecast period. 

Even though gift cards are still widely used for rewards, they are losing their touch.  

According to a 2024 survey by Bankrate, 43% of U.S. adults have at least one unused gift card, gift voucher, or store credit, with an average value of $244 per person. This amounts to approximately $27 billion in unspent gift card value nationwide. ​ 

There might be many reasons for this, but one of the most obvious ones is that gift cards don’t give recipients the freedom to buy whatever they want from wherever they want. Virtual prepaid reward cards are capturing this gap. Virtual prepaid reward cards are widely accepted; they offer freedom of choice, can be reloaded, and more. Now, this sounds cool. 

Diving a bit into their history, the first prepaid cards were the same old gift cards with slight changes. According to a report by Moorwand titled “The History of Payments: The rise of Prepaid Cards”, the telecom industry first adopted them to incentivize employees, followed by big retail chains. However, with time and a rise in popularity, these prepaid cards have evolved into smarter, much more beneficial versions of themselves called virtual prepaid cards. 

Virtual prepaid cards have been mass adopted by corporates, businesses, etc., simply because they are convenient to issue and easier to use by the end customer. And yeah, they are miles ahead of their primitive gift card ancestors. 

What is a virtual prepaid reward card? 

A prepaid card issued by a financial institution allows a person to spend a pre-loaded/pre-deposited amount of money, which can be reloaded again once used. 

Sama seperti kad debit atau kredit biasa, kad prabayar mempunyai nombor 16 digit unik, CVV, dan memerlukan PIN untuk beroperasi. Satu-satunya perbezaan ialah kad prabayar tidak dipautkan secara langsung ke akaun bank dan perlu dimuat semula dengan wang secara berasingan, yang menjadikannya lebih selamat. Selain itu, tidak seperti kad hadiah, kad prabayar boleh digunakan di mana-mana transaksi kad debit/kredit standard berfungsi. Jadi ia lebih mudah juga. 

The virtual version of this prepaid card is a digital counterpart of the physical prepaid card that you can email to the recipient or add to the recipient’s mobile wallet. The recipient can use it just like a debit card online or in a physical store at their convenience. 

When it comes to rewarding, prepaid cards are a great choice. Think about it; who wouldn’t like a reward that gives them the freedom to purchase whatever they want, instead of a gift card that works who knows where? A virtual prepaid reward card is just like a cash reward but is much more secure and convenient. 

Types of virtual prepaid cards 

Berdasarkan keperluan dan belanjawan pengirim, terdapat pelbagai jenis kad prabayar maya. Ini berbeza dalam ciri dan faedah, dan seseorang boleh memilih jenis yang paling sesuai dengan keperluan mereka. Walau bagaimanapun, dengan banyak syarikat yang menawarkan banyak pilihan, mungkin sukar untuk memahami faktor pembezaan utama. Oleh itu, marilah kita menyelesaikannya untuk anda. 

Terdapat lima jenis kad prabayar maya: 

Open-loop virtual prepaid cards 

Open-loop cards are the most flexible virtual prepaid cards with the broadest appeal. They are general-purpose charge cards with universal acceptability (everywhere the issuing card network is accepted - Visa, Mastercard, etc.). As a result, virtual open-loop prepaid cards open up a comprehensive gateway for e-commerce; it’s like giving the recipient the freedom to buy whatever they want from the world’s largest shopping mall. 

Beberapa contoh kad prabayar gelung terbuka ialah Kad Visa, MasterCard, American Express, Kad Rupay, dll. 

When incentivizing employees, customers, sales teams, channel partners, or gig workers, deploying open-loop virtual prepaid cards is a dependable route. If you run a multi-national company with employees working across the globe, these open loop cards are a real savior for rewarding. As they save you the hassle of selecting different gifts across geographies. 

Selain memberi ganjaran, kad prabayar maya gelung terbuka menawarkan beberapa kes penggunaan yang lebih menjanjikan untuk perniagaan: 

1. When employees travel abroad, you can give them virtual prepaid cards to manage their day-to-day expenses. Your finance team can issue cards with a limited amount; once exhausted, the team can reload the cards (if reloadable) with an additional sum. 
2. You may like to issue such cards to your sales and marketing teams on a monthly budget basis. Virtual prepaid cards highly reduce the chances of misuse or fraud, which is quite a possibility with credit cards. 

Closed-loop virtual prepaid cards 

Kad prabayar maya gelung dekat, juga dikenali sebagai kad tujuan tunggal, boleh digunakan untuk membuat pembayaran secara digital di peruncit / syarikat tunggal atau di kedai fizikal. Perniagaan umumnya menawarkan kad ini dengan bekerjasama dengan institusi kewangan untuk pengeluaran. Selalunya, kad tersebut mempunyai logo syarikat untuk kesedaran jenama. 

Perniagaan mengeluarkan kad gelung tertutup untuk membawa pelanggan baru dan, pada masa yang sama, membina kesetiaan pelanggan. Untuk ini, mereka menawarkan pelbagai diskaun kepada pelanggan menggunakan kad gelung tertutup mereka supaya mereka terus datang lagi dan lagi. Menawarkan kad prabayar gelung tertutup adalah strategi yang baik untuk perniagaan kecil dalam fasa pemerolehan pelanggan. 

Kad gelung tertutup mungkin terdengar menarik dari perspektif perniagaan, tetapi tidak begitu baik dari pilihan sambil memberi ganjaran. Ada kemungkinan bahawa penerima bukan peminat jenama, yang bermaksud bahawa ganjaran itu tidak akan bernilai kepada mereka. Sifat menyekat kad prabayar gelung tertutup menjadikannya pilihan hadiah yang tidak popular. 

Semi closed-loop virtual prepaid cards 

Semi closed-loop virtual prepaid cards, also known as multi-merchant reward cards, allow the recipient to spend on a specific category or group of merchants. They are network-branded, which means they are affiliated and accepted by numerous merchant/chain outlets digitally as well as in physical stores. This feature also gives them the name ‘restricted open-loop cards.’ 

Ia dikeluarkan secara langsung oleh rantaian runcit atau jenama dan boleh digunakan untuk membeli daripada semua peniaga gabungan. Walau bagaimanapun, kadang-kadang, bukannya jenama tertentu, kad gelung separa tertutup ini diterima untuk kategori tertentu seperti barangan runcit, aksesori, dll. 

Memberi ganjaran kepada seseorang dengan kad prabayar gelung tertutup adalah pilihan yang baik jika penerima sering membelanjakan kumpulan jenama atau kategori tertentu. Ia seperti menjimatkan wang tunai tambahan untuk dibelanjakan untuk perkara harian. Ia ceri di atas jika anda tahu apa yang mereka belanjakan. Rayuan maya kad membolehkan penerima membayar apa sahaja yang mereka suka dari keselesaan rumah mereka. 

Mengetahui semua pilihan ganjaran yang tersedia dalam pengurus program ganjaran anda sentiasa lebih baik untuk mendapatkan hasil yang terbaik. Anda mungkin mempunyai pilihan pra-penapisan, pilihan kad bertema, atau anda mungkin boleh membuat kad peribadi jenama anda. Yang terakhir ini memberi anda latitud yang lebih kreatif dan menambah sentuhan peribadi. 

Berdasarkan kekerapan penggunaan, kad prabayar maya dibahagikan kepada: 

Reloadable virtual prepaid cards 

Kad prabayar boleh dimuat semula, juga dikenali sebagai kad prabayar tujuan am, membolehkan pengeluar/pengguna memuatkan semula wang ke dalamnya sebaik sahaja ia berakhir. Ini bermakna pengguna tidak perlu risau untuk mendapatkan yang baru setelah kad sebelumnya selesai. 

Kad prabayar maya yang boleh dimuat semula tidak dipautkan ke akaun bank dan mesti 'dimuatkan' secara berasingan dengan jumlah wang tertentu. Ciri ini memastikan bahawa pengguna membelanjakan dalam had tertentu. Anda boleh menjejaki perbelanjaan anda pada papan pemuka kad prabayar maya dan memuatkannya sebaik sahaja baki selesai. 

Kad ganjaran prabayar maya yang boleh dimuat semula sesuai apabila anda perlu memberi ganjaran kepada orang yang sama dengan kerap. 

Non-reloadable virtual prepaid cards 

Non-reloadable prepaid cards don’t allow the issuer/user to reload them once the money gets over. It is more like a gift card that can be used everywhere the card network is accepted. It makes a good one-time reward but is not a part of the long-term game. 

Ia bergantung kepada perniagaan dan pengguna untuk memilih kad mana yang sesuai dengan keperluan mereka. Jadi, secara semula jadi, masing-masing mempunyai faedah tersendiri. Walau bagaimanapun, kad prabayar maya pasti mempunyai beberapa kelebihan yang tidak boleh diterima di bawah tali pinggangnya, yang akan dibincangkan sekarang. 

Virtual prepaid reward cards vs. physical prepaid reward cards: Which are better? 

Here are the key differences between virtual and physical prepaid reward cards: 

Benefits of virtual prepaid reward cards 

Sekarang kita telah melihat bagaimana kad ganjaran prabayar maya membuat pilihan ganjaran yang jauh lebih baik daripada rakan fizikal atau kad hadiah biasa mereka, kita melihat faedahnya. Dari kemudahan hingga pelaksanaan hingga penjenamaan, kad prabayar maya membuat pilihan yang sangat baik untuk perniagaan dan penerima. 

Benefits for you: 

• Convenience 
  All you need is a list of email addresses of your recipients and a good rewards partner, and your rewards can be sent out in a matter of minutes. 
• Reward any value 
  Unlike gift cards with fixed amounts, you can load any amount of your choice on a virtual prepaid card. You can also develop different programs for different recipients without overshooting your budget. 
• Financial inclusiveness 
  Virtual prepaid cards don’t require recipients' bank account details or credit history, making them financially inclusive and easier to reward everyone. 
• Quicker implementation 
  Setting up a virtual prepaid reward program takes less than 24 hours—no weeks of production or shipping delays. 
• Easy branding 
  You can add your brand’s logo, tagline, and colors to the virtual prepaid reward cards for brand awareness. 
• Campaign analysis 
  Partners like Xoxoday Plum provide detailed metrics, allowing you to track campaign performance and optimize future programs. 

Benefits for your recipients: 

• Easier to use 
  The recipients can tap these virtual cards just like regular debit/credit cards using their mobile phones at the payment receiving instrument. 
• Faster to use 
  Recipients find virtual prepaid cards much quicker to use compared to physical cards because they are digitally convenient. 
• More secure 
  Virtual prepaid cards are more resistant to fraud, cannot be cloned, and are safer than physical items. Non-reloadable cards expire after one-time use. 
• Immediate support 
  Card-issuing companies guarantee quick support if there are issues, enhancing recipients’ reward experience. 
• Controlled spending 
  Recipients can only spend up to the loaded amount—no risk of overspending. 
• Web and app support 
  Recipients can check balances and manage cards easily via web and mobile apps. 

How can companies use virtual prepaid reward cards for rewarding and incentivizing? 

Setelah memahami semua faedah dalam perkara di atas, menjadi jelas bahawa syarikat / perniagaan dapat menggunakan kad prabayar maya secara meluas untuk insentif. Mereka memberi manfaat kepada perniagaan dan penerima dalam pelbagai cara. 

Berikut ialah panduan kecil tentang cara memasukkan kad ganjaran prabayar maya dalam program insentif anda: 

1. Employee incentives 

There is an excellent possibility that employees would be happier to receive virtual prepaid reward cards as incentives. Moreover, It is a quick and convenient way to express care and gratitude. Additionally, the unique tracking feature with a virtual prepaid reward campaign is a great way to track campaign performance and corporate expenses. One can give rewards on multiple occasions: 

• You can organize quizzes and contests for team-building and award these virtual prepaid cards to the winners. 
• Monthly or yearly employee bonuses can very easily be transferred using virtual prepaid cards. 
• A certain amount can be rewarded for every employee referral made using the prepaid card. 
• To ensure your employees are upskilled, you can transfer specific amounts to their prepaid cards when they achieve a performance milestone. 
• Employees can be incentivized to achieve specific targets in industries focusing on goal-based work using virtual prepaid cards. 
• To develop a feeling of belonging amongst your employees, you can give out rewards on special occasions like birthdays, wedding anniversaries, work anniversaries, etc. 
• You can reward them to your old employees for their long service to the company. 

Usual budget range: Employee incentives usually range from $10 to $1000, depending on the occasion they are being given. 

2. Customer incentives 

Memberi insentif pelanggan adalah strategi pemasaran dan pengekalan pelanggan yang digunakan secara meluas. Menambah sentuhan kad ganjaran prabayar maya boleh berfungsi dengan baik. Ganjaran ini akan memberi pelanggan lebih kebebasan dan kemudahan semasa berbelanja, akhirnya melampirkannya pada jenama anda. 

Berikut adalah beberapa cara di mana anda boleh menggunakan kad prabayar maya untuk insentif pelanggan: 

• You can utilize virtual prepaid cards in your consumer promotions strategies and watch your businesses grow! 
• They make great options for sweepstakes/giveaway rewards. 
• Customers’ virtual reward cards can be loaded with a certain amount for filing customer surveys or giving reviews and feedback, enhancing your business portfolio. 
• Virtual prepaid cards are a fantastic way to garner customer referrals. 
• Account Managers can guarantee that the revenue stream is incoming, develop strong relationships with customers, and ensure that the potential is maxed out by running ABM campaigns with the help of virtual prepaid cards.They can be sent out as a part of email marketing campaigns to your top customers. 
• Virtual prepaid reward cards are an excellent way to send out rebates and rewards as a part of your loyalty programs. 
• You can also be a part of the customers’ life by sending them virtual prepaid cards on special occasions like birthdays, festivals, anniversaries, etc. 

Usual budget range: "What you’re willing to spend often ties heavily into who you’re trying to move and what behaviors you’re driving with your target audience. That number can often be drilled down to between 1% and 3% of the gross revenue of the target market or product."  

3. Sales and channel partner incentives 

Sistem ganjaran prabayar maya ialah cara terbaik untuk memberi insentif kepada rakan jualan dan saluran anda. Mereka adalah tulang belakang perniagaan anda, dan membayar pampasan kepada mereka supaya mereka gembira hanya akan memberi manfaat kepada anda. Oleh itu, membina model ganjaran jualan saluran yang mantap adalah sangat penting, cekap menggunakan sistem ganjaran prabayar maya. 

Sistem ganjaran prabayar maya ini dengan cara berikut: 

• Sales partners can be incentivized when they achieve their monthly or yearly targets. Giving out rewards regularly will keep the sales partners motivated to work. 
• Your reseller partners are essential to your business. You can incentivize them using virtual reward cards to maintain better relationships and utilize your partnership to the fullest potential. 
• Selalunya, perniagaan mempunyai banyak sekutu yang membawa lalu lintas. Dalam kes sedemikian, ia menjadi mencabar untuk mengekalkan program ganjaran. Walau bagaimanapun, anda boleh dengan mudah menyediakan dan mengekalkan program ganjaran prabayar maya untuk semua rakan sekutu anda. 

Usual budget range: These incentives can range from $100 - $10000, depending on their performance and how important a role they played in growing your business. 

4. Gig worker incentives 

Sangat mungkin bahawa tidak semua pekerja anda bekerja sepenuh masa dengan anda. Perniagaan cenderung mempunyai pekerja sambilan, pekerja gig, atau orang secara kontrak. Pekerja yang tidak konvensional dengan gaji yang lebih kecil ini boleh dibayar dengan cepat menggunakan kad ganjaran prabayar maya. Oleh kerana mereka bukan sebahagian daripada gaji biasa, gaji mereka boleh dihantar dalam kad ganjaran apabila diperlukan. 

Pekerja gig boleh dibayar menggunakan kad ganjaran prabayar maya apabila mereka: 

• Lengkapkan tugasan 
• Mencapai KPI berasaskan Prestasi 
• Ambil langkah ke hadapan dengan memacu idea perniagaan 
• Pergi lebih jauh dengan projek mereka, dan lakukan dengan sangat baik 

Usual budget range: Gig worker incentives depend on the task size and how well it has been executed. However, it usually ranges from $5 to $500. 
 
To understand how you can streamline your gig workers’ incentive program, check out how you can delight your gig workers with instant gratification with Xoxoday Plum. 

Step-by-step guide to send virtual reward cards to your recipients with Xoxoday Plum 

Sending your recipient's virtual reward cards using Xoxoday Plum is a simple, mapped process. Follow this step-by-step guide to roll out an effective campaign: 

1. Mempunyai matlamat yang jelas 

Sebelum membuat keputusan mengenai apa-apa mengenai program ganjaran maya, tentukan matlamat. Benarkan matlamat ini untuk mengemudi kempen anda. Terdapat pelbagai matlamat seperti menyatakan rasa terima kasih & penjagaan, promosi pengguna, insentif, atau banyak lagi. 

2. Kaji persona penerima 

Penerima program kad ganjaran maya anda boleh menjadi pekerja, pelanggan, pasukan jualan, rakan kongsi saluran, pekerja gig, dll. Anda mungkin mahu melihat dengan teliti apa yang boleh membantu anda mengatur tingkah laku mereka. 

3. Tetapkan belanjawan 

Tiada siapa yang mahu program ganjaran mereka menjadi liabiliti; ia sepatutnya memberi manfaat dalam jangka panjang. Mempunyai idea tentang skala program ganjaran dan sumber yang tersedia untuk seseorang boleh menetapkan belanjawan dengan sewajarnya. 

4. Cari rakan kongsi kad ganjaran prabayar maya 

Finding the right rewards partner is a crucial step in the process. One can look at multiple factors - convenience, GDPR compliance, promptness, support, bulk discounts, easy-to-use platform. 

5. Pilih kad prabayar 

Kekeliruan yang paling biasa pada langkah ini ialah rangkaian mana yang hendak dipilih: Visa, Mastercard, atau mana-mana yang lain. Rakan kongsi yang baik akan memudahkan anda membuat pilihan yang tepat. 

6. Sediakan kit alat media 

Picked out a virtual prepaid card? It’s time to let everyone know. Prepare an impactful media toolkit to let your employees/customers/partners know about the reward system. This makes the program look more professional and inviting. It also generates excitement amongst the recipients and motivates them to work better! 

7. Buat kempen dengan Rakan Kongsi Kad Ganjaran anda 

Your rewards card partner can assist you with the campaign. For example, Xoxoday Plum ensures that you don’t feel stuck at any point of your reward campaign and is there with you through every leg of the process. 

8. Melancarkan program 

It’s time to implement it all! However, don’t be in a hurry and send the virtual reward cards without any message. To make the reward more thoughtful, write an email and tell the recipient why they are receiving it, add a compliment and make them happy. This little touch of personalization goes a long way. 

9. Menganalisis program ini 

Selepas melancarkan kempen, penting untuk menganalisis prestasinya. Data ini memainkan peranan penting apabila anda merancang kempen masa depan. 

Kesimpulan 

Virtual prepaid cards have revolutionized the way businesses reward, incentivize, and engage globally. Offering unparalleled flexibility, security, and convenience, they empower recipients with the freedom to choose how they spend, while eliminating many of the limitations associated with physical cards. 

Thanks to their easy distribution, fast implementation, and seamless tracking capabilities, virtual prepaid cards are now among the most efficient and effective tools for modern reward programs. With the right partner, managing a virtual prepaid reward program becomes even simpler and more impactful. 

If you’re looking to scale your rewards strategy with ease and efficiency, Xoxoday Plum offers everything you need. From virtual prepaid Visa® and Mastercard® options to a powerful, easy-to-use platform, Xoxoday Plum helps you design, distribute, and track your global payouts effortlessly. With real-time tracking, custom branding, and dedicated support, you can elevate your entire rewards experience while staying cost-effective.