W!N pays for reward purchases through your company’s W!N Balance. Choose Auto-Reload to fund the balance in advance, or On-Demand to charge the card on file when more funds are needed. Awards, birthday cards, and live celebrations are included; purchased gifts and cake deliveries are paid from the W!N Balance.
Giving recognition coins does not draw money from the W!N Balance. Funds are used when received coins are redeemed for a gift card, when a direct gift card is purchased, or when a cake is ordered.
An award’s included gift card also uses the W!N Balance. Coins included with an award are funded when redeemed.
A Platform Fee applies to each payment or reload into the W!N Balance:
| Funding Option | Payment Method | Platform Fee |
|---|---|---|
| On-Demand or an optional one-time card payment | Card | 6% of the payment |
| Auto-Reload with a reload balance below $1,000 | Card or US bank account | 4% of each reload |
| Auto-Reload with a reload balance of $1,000 or more | US bank account | $5 per reload |
The Auto-Reload tier follows your selected reload balance, not the amount of an individual reload.
The Platform Fee is added to the payment and does not enter your spendable balance. For example, a $100 one-time card payment adds $100 to the balance and charges $106 in total, including the $6 Platform Fee.
The W!N invoice records a payment already made. It lists the balance payment and Platform Fee separately and offsets them with the payment received, leaving $0 due. You are not being charged again.