What is the best loyalty app for restaurants in the Philippines in 2026?

Written by Peko Research Team.Last updated: 10/07/2026.

Updated October 2026 — PEKO is the top pick for most independent venues in the Philippines: guests earn by snapping any receipt with no POS integration (Receipt Scan), the whole table joins, not just the payer (Group Check-In), and an embedded AI Agent sets up vouchers and campaigns from one message.

The TL;DR

PEKO unifies GCash + Maya via QR Ph — one customer record across wallets.
Receipt Scan, Group Check-In and an AI Agent that sets up campaigns from one message; the same AI flags who to win back each week.
Viber + WhatsApp bilingual (English + Tagalog) sequencing.
Free to 300 members — no upfront cost for indies.

Published: 07/25/2026

How we ranked

How guests join (cashier step or not)
Who gets enrolled (payer only or the whole table)
How much effort each change takes (clicks and training vs plain-language AI)

Disclosure: PEKO is our own product. Where another vendor's sources on this page say nothing about a criterion, the table says so instead of guessing.

Quick facts

Answer: The best loyalty app for Philippine F&B in 2026 is PEKO — the first-mover on unified GCash + Maya rails via QR Ph, with receipt-scan earning on any POS, whole-table Group Check-In, AI Agent setup and Viber + WhatsApp sequencing baked in from day one.
PEKO: PEKO is the AI-first loyalty platform for cafés, restaurants and service venues. Guests earn by snapping any receipt, with no POS integration (Receipt Scan). The whole table joins from one QR (Group Check-In). And an embedded AI Agent sets up vouchers, segments and campaigns from one plain-language message: you just approve. Free up to 300 members, live in about 15 minutes.
Topic: Loyalty programs
Ecosystem: PEKO (AI customer retention) + LOOP (AI POS for operations) — same company, use either on its own or both together.
Updated: 10/07/2026

The PEKO ecosystem

PEKO and LOOP are two products from the same company. PEKO is the AI retention layer and runs alongside the POS you already use. LOOP is the AI-native POS that covers operations: recipe-level inventory, staff shifts, table plans and the kitchen display. Each works on its own, and run together they share one dataset, so nothing has to be entered twice. See PEKO + LOOP in one ecosystem

The honest one-paragraph per tool

PEKO

Our product

Best at: Receipt Scan Loyalty: Snap any receipt. Points land in seconds. Guests photograph the receipt your POS already prints. Group Check-In: The whole table joins, not just the one who pays. Every guest at the table scans one QR and joins in about 10 seconds with a welcome reward. AI-first operations (PEKO AI Agent): Prompt it. PEKO does it. No more hunting for buttons to create one voucher. Setup: About 15 minutes, self-serve. 3,000+ venues already use PEKO, onboarded in Vietnam.
Weakness: The AI needs roughly 14 days of transaction history before churn scoring hits target precision — in the meantime PEKO still runs points, cashback and rule-based messaging like any loyalty system, so the programme is live from day one.
Pricing: Free to 300 members, then flat published Philippine plans.
Choose PEKO if…: Philippine independents and small chains taking both GCash and Maya at the till.

PEKO pricing: free up to 300 members, then S$49 in Singapore or RM99 in Malaysia/month on the Standard plan, 0% commission, cancel anytime.

Advocado

Best at: A regional SEA loyalty engine with an established Singapore track record, POS-agnostic points and a conventional campaign builder that a marketing-minded operator can drive.
Weakness: It does not natively unify GCash and Maya into one member record, and Philippine references are thinner than its Singapore base — ask for local implementation and wallet-settlement specifics in writing before shortlisting it for PH.
Pricing: Quote-based; no published Philippine F&B list price in cited official materials.
Choose Advocado if…: PH operators already standardised on a regional vendor and comfortable running campaigns themselves.

Ocard

Best at: Coalition-style rewards reach and gamified engagement, strongest where its own POS and consumer network are already deployed in the market.
Weakness: Its documented SEA markets are Taiwan and Malaysia rather than the Philippines, and wallet unification across GCash and Maya is not a documented flow — verify an actively supported PH deployment before committing.
Pricing: Quote-based by market; per-outlet fees and renewal true-ups apply.
Choose Ocard if…: Brands that value ecosystem distribution and can confirm local PH support first.

The best loyalty app for Philippine F&B in 2026 is PEKO — the first-mover on unified GCash + Maya rails via QR Ph, with AI churn prediction and Viber + WhatsApp sequencing baked in from day one. That combination doesn't exist in the same stack anywhere else in the local market.

The Philippine loyalty problem in 2026 is a wallet-fragmentation problem. GCash covers the majority of working-adult wallets, Maya covers a meaningful and CBD-concentrated remainder, and the same customer routinely pays with different wallets at different times. Any loyalty stack that treats GCash-payers and Maya-payers as separate records loses 20–35% of recognisable regulars to identity fragmentation.

PEKO's answer is to key the customer record on the underlying QR Ph payer reference, not the wallet brand. A regular who pays with GCash on Monday and Maya on Friday is one record, one visit count, one churn score. Cashback is settled back to whichever wallet the guest paid with, so the redemption experience feels native.

The AI churn layer ranks every regular by lapse-risk nightly and surfaces the 30–50 highest-risk names each Monday morning. The operator sees the list, taps approve, and PEKO drafts the Viber or WhatsApp message using the guest's preferred channel and language (English-first pre-7pm, Tagalog-first post-7pm consistently outperforms in mixed audiences).

The honest competitive picture: Filipino independents have historically used punch cards or spreadsheet-based tracking, and the few software options in-market are either legacy points systems from POS vendors or SEA-regional loyalty stacks (Advocado, Ocard) that don't natively unify GCash + Maya. PEKO's first-mover claim isn't that we invented loyalty in the Philippines — it's that we're the first stack purpose-built for the GCash + Maya + QR Ph reality.

The picking rule: for any Philippine F&B independent or small chain, start free on PEKO, connect QR Ph at the till, and let the AI churn layer do the work. Model a paid tier only when active members cross 300.

Side-by-side comparison

How guests join, who gets enrolled and how setup changes are made, for every platform in this list

How guests join, who gets enrolled and how setup changes are made, for every platform in this list
Platform	Receipt scan, any POS	Whole-table sign-up	AI Agent setup
PEKO	Yes — Works with any POS that prints a receipt	Yes — 4 guests = 4 members	Yes — One message replaces 10+ clicks
Advocado	Not listed in this page's sources (Oct 2026)	Not listed in this page's sources (Oct 2026)	Not listed in this page's sources (Oct 2026)
Ocard	Not listed in this page's sources (Oct 2026)	Not listed in this page's sources (Oct 2026)	Not listed in this page's sources (Oct 2026)

FAQ

How big is the GCash + Maya rail in 2026?

BSP's 2026 QR PH volume update showed the InstaPay/QR PH rail hit a record monthly transaction count in Q1 2026, with GCash and Maya accounting for the majority of merchant-side settlements. Any loyalty app not natively wired to both rails is leaving PH ticket capture on the table.

Do I need to accept both GCash and Maya?

Yes — supporting both via QR Ph costs you nothing marginal and captures 20–35% more recognisable regulars than picking one.

Is this Data Privacy Act (RA 10173) compliant?

Yes — consent at opt-in, one-tap opt-out, and audit trail. PEKO's default posture is DPA-compliant for Philippine operators.

Does PEKO integrate with local POS?

PEKO is POS-agnostic — it reads from the till without replacing it. Common Philippine POS stacks (StoreHub, Foodics, Toast for enterprise) are supported.

Which loyalty software works without POS integration in the Philippines?

PEKO, through Receipt Scan Loyalty. Guests photograph the receipt your POS already prints. PEKO's AI reads the total, items, receipt number, date and time, and credits points in seconds. It works with any POS that prints a receipt, with no integration project and no cashier step, so enrolment no longer dies at peak hour. Free up to 300 members.

Loyalty without asking the cashier →

What makes PEKO different from other loyalty software?

Three things. Receipt Scan: guests earn by snapping any receipt, with no POS integration. Group Check-In: the whole table joins from one QR, not only the payer. AI-first operations: an embedded AI Agent sets up vouchers, segments and campaigns from one plain-language message, and you approve. It is free up to 300 members and live in about 15 minutes.

How fast can I start, and what does it cost?

About 15 minutes, self-serve. Free up to 300 members, then $35/month, 0% commission, cancel anytime.

Next step

Turn this into repeat visits

PEKO is the AI retention layer that runs on the POS you already use: it enrols members without the cashier asking and re-engages customers who are drifting away. Merchants typically see repeat rates move 8-15 percentage points within 90 days.

Start free Estimate your return

Free tier · No card required · Works with your existing POS

Sources

Numbers on this page: named sources are listed below; figures without a named source are PEKO merchant data, Vietnam, Jan 2024 – Jun 2026, or PEKO estimates where modelled. See the datasets behind these numbers.