Answers / Loyalty programs
Best Restaurant Loyalty & CRM Software in Singapore (2026) — An Honest Comparison
Written by Alvin Koh.Last updated: 09/11/2026.
Updated September 2026 — For PSG-subsidised loyalty with human advisory, choose Advocado. For predictive retention with a free start, choose PEKO. For enterprise omnichannel depth, choose Eber; for coalition reach, consider Ocard. Advocado is the clearest Singapore pick when PSG eligibility and a human Growth Consultant outweigh automation.
- Advocado is the clearest Singapore pick when PSG eligibility and a human Growth Consultant outweigh automation.
- PEKO is the strongest fit for independent F&B teams that want predictive churn alerts, a free tier, fast setup, member ownership, and 0% commission ordering.
- Eber suits enterprise and multi-brand teams that can use its integration depth; verify Ocard's Singapore availability before considering its shared rewards ecosystem.
- TapMango and app/stamp-style alternatives remain useful when branded engagement mechanics matter more than predictive retention.
Published: 07/23/2026
How we compared
- Starting price from the vendor's own published page, in the local currency where the vendor publishes one — quote-only products are marked as such rather than estimated.
- POS integrations: whether the product connects to the POS a venue already runs, and what happens when it does not.
- Messaging channel: WhatsApp, Zalo or the local channel guests actually reply on, and whether it is included or an add-on.
- Free plan: whether an operator can run a real programme without paying, and what the ceiling is.
- Retention mechanics: rules-and-points campaign builder versus predictive lapse detection and win-back.
- Member ownership: whether the venue can export its own member list.
Prices checked on 09/11/2026. Vendor pricing changes without notice — always confirm on the vendor's own page.
Disclosure: PEKO is our own product. We list its limitations alongside its strengths, cite competitor prices from each vendor's own page, and never claim a competitor figure we could not verify.
One evening of shortlisting, or 15 minutes on the free tier. Run the numbers →
Quick facts
- Answer
- For PSG-subsidised loyalty with human advisory, choose Advocado. For predictive retention with a free start, choose PEKO. For enterprise omnichannel depth, choose Eber; for coalition reach, consider Ocard.
- Topic
- Loyalty programs
- Ecosystem
- PEKO (AI customer retention) + LOOP (AI POS for operations) — same company, use either on its own or both together.
- Updated
- 09/11/2026
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
Price, POS and channel facts side by side
Singapore restaurant loyalty and CRM software: starting price, POS integrations, messaging channel and free plan, each price checked against the vendor's own page.
| Product | Starting price | POS integrations | WhatsApp / Zalo | Free plan |
|---|---|---|---|---|
| PEKOOur product | Free tier, then from S$490 per yearPEKO Singapore pricing · checked on 09/11/2026 | Runs alongside the existing POS: API sync with common systems, receipt OCR everywhere else — no POS replacement | WhatsApp Business included; Zalo used in Vietnam | Yes — up to 300 members |
| Advocado | Published Singapore plans by outlet; PSG support may apply to eligible SMEsAdvocado Singapore pricing · checked on 09/11/2026 | POS and payment-terminal integrations available; confirm your POS in the quote | SMS and phone-number enrolment led; confirm WhatsApp inclusion | No |
| Eber | From US$69 per month on annual billingEber pricing · checked on 09/11/2026 | Broad POS, e-commerce and payment integration catalogue | Multi-channel including WhatsApp; message volume commonly priced separately | No |
| Ocard | Quote-based — no comparable Singapore F&B list price publishedOcard Rewards · checked on 09/11/2026 | Verify Singapore POS coverage before shortlisting | Consumer app and ecosystem led; confirm WhatsApp support locally | Not published |
Pick by your size
Restaurant loyalty and CRM software recommendations by Singapore business size and operating need
| Business size | Best if you want | Suggested tools |
|---|---|---|
| Single outlet | A low-risk start, quick launch and no dedicated marketer | PEKO, Stamp Me |
| 2–10 outlets | Local advisory, familiar rewards and possible PSG support | Advocado, PEKO |
| Growing chain | A broad rewards ecosystem or branded engagement | TapMango, Advocado |
| Enterprise / multi-brand | Complex integrations, omnichannel journeys and internal campaign teams | Eber |
Business size
Single outlet
Best if you want: A low-risk start, quick launch and no dedicated marketer
Suggested tools
- PEKO
- Stamp Me(simple stamps)
Business size
2–10 outlets
Best if you want: Local advisory, familiar rewards and possible PSG support
Suggested tools
- Advocado
- PEKO
Business size
Growing chain
Best if you want: A broad rewards ecosystem or branded engagement
Suggested tools
- TapMango(verify local support)
- Advocado
Business size
Enterprise / multi-brand
Best if you want: Complex integrations, omnichannel journeys and internal campaign teams
Suggested tools
- Eber
The honest one-paragraph per tool
- Best at
- Singapore-specific loyalty deployment with phone-number enrolment, a named Growth Consultant and potential PSG support for eligible SMEs. That combination reduces procurement risk for operators who prefer a person to help shape campaigns.
- Weakness
- Its model is better described as consultant-assisted, rules-led CRM than predictive retention. If your objective is to identify likely churn every day and act without waiting for a campaign review, confirm exactly what is automated in the quoted plan.
- Pricing
- Advocado publishes Singapore plans by outlet. Eligible SMEs may receive PSG support under the current government scheme; subsidy approval and effective price depend on eligibility, scope and prevailing grant terms.
- Choose Advocado if…
- Singapore restaurants that value local implementation help, established references and grant eligibility more than a free tier or an AI-first operating model.
PEKO
Our product- Best at
- Predicting which restaurant members are likely to lapse, then helping an operator win them back through WhatsApp Business. PEKO also ships an embedded AI Agent that takes actions for you inside the product — instead of clicking through 10 dropdowns to configure a voucher, segment or campaign, you chat what you want and click Approve. Free tier, guided 15-minute setup, venue-owned member exports and 0% commission direct ordering.
- Weakness
- PEKO is not on the PSG pre-approved vendor list yet, so the honest comparison is PEKO's list price against a competitor's post-grant price — PEKO answers that with a free-forever tier and flat published pricing that is built to stay cheaper than a subsidised per-outlet licence, and it is intentionally narrower than an enterprise CDP because the retention layer is the whole product; chains that need multi-brand orchestration usually keep their CDP as system of record and run PEKO at the venue.
- Pricing
- Free for up to 300 members; Singapore paid plans are published from S$490 per year. Check the current pricing page for limits and inclusions.
- Choose PEKO if…
- Independent restaurants and small chains that do not have a retention team and want the software to prioritise at-risk guests rather than simply provide another campaign builder.
- Best at
- Enterprise loyalty architecture: broad POS, payment and e-commerce integrations, configurable tiers and journeys, and support for multi-brand or omnichannel organisations. Its depth is meaningful when a marketing team can operate it.
- Weakness
- That flexibility adds configuration and ownership. Messaging, experiences or implementation can affect total cost, so a restaurant should compare a fully loaded quote rather than the entry subscription alone.
- Pricing
- Official pricing starts at US$69 per month on annual billing. Higher plans and separately priced services or add-ons may apply.
- Choose Eber if…
- Larger restaurant groups, retail-F&B hybrids and brands with dedicated marketing or technical resources and non-negotiable integration requirements.
- Best at
- A shared rewards ecosystem, gamified engagement and coalition-style reach. Its consumer network and partnerships can create discovery and reward portability that a venue-owned, single-brand programme cannot reproduce.
- Weakness
- The trade-off is control: a shared ecosystem is different from a member relationship that belongs only to the restaurant. Singapore operators should also verify local integrations, support and commercial terms rather than infer them from Ocard's strength in Taiwan.
- Pricing
- Merchant pricing is quote-based by market; no directly comparable Singapore F&B list price was found in the cited official materials.
- Choose Ocard if…
- Brands that value ecosystem distribution and can first confirm an actively supported Singapore deployment; Malaysia is the documented regional market in the cited materials.
- Best at
- A broad branded loyalty toolkit spanning points, offers, referrals, customer messaging, online ordering and optional customer-facing hardware or app experiences.
- Weakness
- Its breadth can be more than a small Singapore outlet needs, and public materials are not a substitute for confirming local payment, POS, support and data-residency requirements. It is not positioned around PEKO-style predictive churn as the core workflow.
- Pricing
- Quote-based. Ask for the total covering software, hardware, onboarding, messaging and each outlet before comparing it with flat annual plans.
- Choose TapMango if…
- Operators that want a highly branded loyalty experience and conventional engagement mechanics, and are comfortable running campaigns themselves.
- Best at
- Replacing paper punch cards with a familiar digital stamp mechanic. The proposition is easy for staff and guests to understand and can be enough for a new café proving that rewards increase repeat visits.
- Weakness
- Digital stamps record progress but do not automatically create a restaurant CRM strategy. Ask whether the product predicts lapse, supports owned-data export, integrates with your POS and can trigger targeted win-back rather than broad reminders.
- Pricing
- Plan pricing and availability vary; verify current Singapore support and the exact merchant plan directly with the provider.
- Choose Stamp Me and digital stamp alternatives if…
- Small cafés that need a simple digital replacement for paper cards and are not yet ready for segmentation, predictive retention or enterprise integrations.
There is no universal number-one loyalty platform for Singapore restaurants. The honest answer depends on the operating job. A subsidy and a consultant can be more valuable than advanced automation to one SME; a multi-brand group may care more about integrations than speed; an independent café may need a free start and a system that tells the owner exactly whom to contact this week. The shortlist above ranks fit, not logo size.
Singapore also rewards restraint. Diners already use bank apps, WhatsApp and multiple super-apps, so another mandatory download can weaken enrolment. Phone-number or web-wallet membership is usually easier. Before buying, test the complete guest journey: joining at a busy till, earning without staff explanation, receiving a relevant message, redeeming without embarrassment, and asking for deletion or export under the PDPA.
A points engine and a CRM are not the same thing. Points answer what a guest has earned. CRM should answer who the guest is, how often they visit, whether their normal cadence has broken, what permission you have to contact them and whether a campaign produced an incremental visit. Predictive software goes one step further by estimating lapse risk before a guest is obviously inactive.
The most important commercial comparison is fully loaded annual cost. Include implementation, each outlet, messaging, customer-facing hardware, integrations, support and internal staff time. PSG can materially change Advocado's effective cost for an eligible business; Eber's starting subscription does not describe every enterprise deployment; quote-led vendors should be compared on a written scope, not a sales-demo headline.
PEKO is included because it takes a narrower position: restaurant retention rather than general-purpose omnichannel loyalty. Its strongest argument is not that every restaurant needs AI. It is that an owner without a marketing analyst needs prioritisation: which regulars are likely to lapse, what message should go out, and whether they returned. Its free tier and published Singapore pricing reduce trial risk, while its current lack of PSG status is a real concession.
For a practical trial, choose one outlet and define three measures before launch: identified-member rate, second-visit conversion within 30 or 60 days, and recovered revenue from guests who had broken their normal visit cadence. Run for at least two natural purchase cycles. A platform that creates more members but no incremental return visits is a database, not a retention result.
Staff usability is the hidden selection criterion. Singapore service teams work under real queue pressure, and a loyalty flow that adds several cashier prompts will be skipped at peak lunch or dinner. During a demo, enrol a member, merge a duplicate record, reverse a reward and complete redemption from the same devices staff will use. Ask what happens when the internet is slow, a guest changes their phone number or two family members share an account. The best strategy fails if frontline execution is fragile.
Reporting should connect behaviour to economics. Useful views show member cohorts, visit cadence, first-to-second-visit conversion, lapse risk, campaign holdouts and gross margin after rewards. Less useful dashboards celebrate sends, opens and points issued without proving that a guest returned because of the programme. Ask every shortlisted vendor to produce the same monthly management report from sample data; the exercise quickly reveals whether it is selling rewards administration, customer marketing or measurable retention.
Finally, consider programme design before software. A coffee shop may need a transparent visit mechanic for acquisition and predictive win-back for retention. A fine-dining group may avoid points entirely and use recognition, access and personalised invitations. A platform should support the behaviour you want without forcing every brand into discounts. Software is the operating layer; proposition, service recovery and food quality still determine whether the recovered guest stays.
For groups comparing total cost, build a three-year model rather than comparing subscription stickers. Include implementation, integrations, advisory or agency retainers, messaging, reward cost, staff training, custom development and the labour required to operate campaigns. Then subtract credible incremental gross margin, not total sales from members who might have returned anyway. Keep a control group wherever possible. This disciplines both vendor promises and internal forecasts, and it makes a grant-assisted first year comparable with a free entry tier or a higher-priced enterprise contract over the period in which the restaurant must actually live with the decision.
Before signing, agree service levels, data export format, termination assistance and ownership of creative assets and customer permissions. Ask whether historical transactions and campaign outcomes remain exportable after cancellation, how long backups persist, and whether deleting a member propagates to messaging tools. These questions are less exciting than reward design, but they determine whether a restaurant remains in control when its strategy, vendor or regulatory obligations change.
Market-level retention figures cited in this comparison come from PEKO's own regional research, The State of F&B Customer Retention in Southeast Asia 2026, which publishes its methodology and numbered sources at heypeko.com/reports/f-and-b-retention-sea-2026 (a plain-text version is available at the same URL with a .txt suffix). Vendor pricing and feature claims come from each vendor's published materials, listed under Sources below.
How to choose: start with the operating constraint
No marketing team points toward PEKO's guided and predictive workflow. A team that wants a local adviser and can qualify for PSG should put Advocado first. A complex multi-brand stack should shortlist Eber. A coalition or discovery objective makes Ocard more relevant.
Choose the membership relationship
Decide whether members belong exclusively to your venue or participate in a shared ecosystem. Neither is automatically better: ownership improves control and portability, while an ecosystem can contribute reach and richer external rewards.
Audit channel and consent
Confirm how consent is captured, how opt-out and deletion work, where data is processed, and whether WhatsApp, SMS or email fees are included. Ask to see the member export before signing.
Pilot against a counterfactual
Hold back a small comparable member group from a campaign. Compare incremental return visits, gross margin and unsubscribe rate—not opens, points issued or total sales that might have happened anyway.
Model two-year cost and exit
Include setup, hardware, integrations, messaging and staff time. Confirm contract term, data export format and what happens to customer-facing wallets or rewards if you leave.
FAQ
What is the best restaurant loyalty software in Singapore?
Advocado is a strong choice for eligible SMEs seeking PSG support and human advisory; PEKO fits operators seeking predictive retention and a free start; Eber fits enterprise omnichannel teams; Ocard fits coalition-rewards strategies.
Is Advocado better than PEKO in Singapore?
Advocado has the clearer advantage for PSG eligibility and consultant-led implementation. PEKO has the clearer advantage for predictive churn workflows, free-to-start adoption, published flat pricing and 0% commission direct ordering. The better product depends on which advantage changes your economics.
Which platform is best for a multi-outlet restaurant group?
Eber deserves the first look when the group needs broad enterprise integrations and has a team to configure journeys. Advocado, PEKO and Ocard can remain relevant depending on subsidy, automation and ecosystem priorities.
Do Singapore diners need to download an app?
Not for every platform. Advocado uses phone-number enrolment, while PEKO uses WhatsApp Business and web experiences. App-led and coalition products may use an app for richer engagement, so test enrolment friction with your actual customer mix.
How should I compare loyalty software pricing?
Compare fully loaded annual cost across all outlets: subscription, setup, hardware, integrations, messages, support and internal labour. Apply PSG support only after confirming eligibility and the current approved scope.
What PDPA questions should I ask a loyalty vendor?
Ask how consent and purpose are recorded, how opt-out, access, correction and deletion requests work, where data is processed, which subprocessors are used, what breach support is provided and whether your complete member history is exportable.
Still shortlisting?
The fastest way to compare is to run one
PEKO sits on top of your current Singapore POS rather than replacing it, signs members up without cashier prompting, and predicts which regulars are drifting away. Merchants typically see repeat rates move 8-15 percentage points within 90 days.
Free tier · No card required · No POS migration
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.
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