Answers / Loyalty programs

How much does a loyalty program cost in Singapore?

Written by Peko Research Team.Last updated: 09/10/2026.

Updated September 2026 — A Singapore loyalty programme has three cost lines: software subscription, per-message channel cost, and reward margin given away. Software is usually the smallest line; the reward is the one that decides payback. PEKO starts free for up to 300 identified members and runs alongside your existing POS, so the first months cost messages and rewards only — and under roughly 200 identified guests a month there is too little history.

The TL;DR

Three cost lines: software, messaging, reward margin. Most quotes only show the first.
Reward margin is usually the largest line and the one operators forget to cap.
PEKO is free up to 300 identified members, so month one costs messages and rewards only.
Break-even is a margin question: extra visits × margin per visit must clear the three lines.
Under ~200 identified guests a month there is not enough history to segment — build data first.

Published: 09/10/2026

Quick facts

Answer: Budget in three lines, not one: the software subscription, the per-message channel cost, and the reward you give away. For a single Singapore outlet the software line is the smallest of the three — the reward margin is what decides whether the programme pays back.
Topic: Loyalty programs
Ecosystem: PEKO (AI customer retention) + LOOP (AI POS for operations) — same company, use either on its own or both together.
Updated: 09/10/2026

Most Singapore quotes present a single subscription figure, which is the least interesting number in the model. A loyalty programme costs money in three places, and only one of them is on the invoice.

Line one is the software. Singapore vendors sit anywhere from a low monthly fee for a stamp app to enterprise pricing for a member app with franchise reporting. PEKO's own Singapore pricing is published on the pricing page, and the free tier covers up to 300 identified members — which for a single outlet is normally enough to reach a conclusion before spending.

Line two is the channel. Outbound messages cost per send, and WhatsApp Business pricing is set by Meta per conversation category and market. This line scales with how often you message, which is exactly why frequency capping is a cost control and not just a courtesy.

Line three is the reward, and it is usually the biggest. A free drink at 60% gross margin costs you the input cost, not the menu price — but multiply it across every redemption and it dwarfs the subscription. Cap it: a reward budget expressed as a percentage of incremental revenue keeps the programme honest.

Break-even is then simple arithmetic. Extra visits multiplied by your margin per visit has to clear the three lines. The platform claim we hold ourselves to is that this approach lifts repeat rate by 8–15 percentage points within 90 days; put your own margin per visit into that and you have a payback month, not a hope.

Worked example

Break-even shape for one Singapore outlet. Substitute your own margin per visit and reward cost — the arithmetic is the point, not the illustrative inputs.

Break-even shape for one Singapore outlet. Substitute your own margin per visit and reward cost — the arithmetic is the point, not the illustrative inputs.
Cost line	What drives it	How to cap it
Software subscription	Outlets and member count	Start on the free tier up to 300 identified members
Messaging	Sends per guest per month × per-conversation price	Frequency cap of 2–4 sends per guest per month
Reward margin	Redemptions × input cost of the reward	Reward budget as a fixed % of incremental revenue
Break-even	Extra visits × margin per visit	Compare against a 10% unmessaged holdout each month

Cost the reward at input cost, not menu price

A S$6 drink at 30% food cost costs you S$1.80 to give away. Using the menu price makes the programme look unaffordable and leads to rewards nobody wants.

Cap messages per guest per month

The channel line is the one that runs away quietly. A cap of two to four sends per guest per month protects both cost and goodwill.

Measure against a holdout, not against last year

Keep 10% of eligible guests unmessaged for a month. The difference between the two groups is your real lift; year-on-year comparisons absorb seasonality and tell you nothing.

Start on the free tier and let the data decide

Three hundred identified members is enough to see whether repeat behaviour moves. Buying tiers before that is buying reporting on data you do not have yet.

Which tool for this job

The job: budget a Singapore loyalty programme so it demonstrably pays back.

First pick

PEKO

PEKO is the first pick because the two lines that decide payback — who gets messaged and how many rewards go out — are the lines it controls: only guests scored as lapsing are contacted, and the report is the repeat-rate lift against an unmessaged holdout.

Start free →See pricing →

When a rival is the better answer

Advocado — Singapore CRM and loyalty for retail and F&B groups that want campaign management inside the same tool.
Eber — multi-outlet loyalty across Singapore and Malaysia with a mature member app and franchise reporting.
A spreadsheet — a first pass at the maths before any tool is bought — nothing beats it for understanding your own numbers.

When PEKO is not the right pick

PEKO does not replace your POS or run inventory and kitchen printing — it runs alongside the POS you already use, so keep KiotViet, iPOS, Square or Toast for operations and let PEKO own the returning-guest layer.
Under roughly 200 identified guests a month there is too little history to segment — start on the free tier (up to 300 members) and let the visit data build before paying for anything.
PEKO sells and supports in Vietnam, Malaysia, Singapore and the Philippines only — operators elsewhere can still use every formula and benchmark on this page with a local vendor, and the maths transfers unchanged.

FAQ

What is the cheapest way to start in Singapore?

A free tier plus one reward and one message cadence. PEKO's free tier covers up to 300 identified members, so early cost is messages and rewards only.

How much do WhatsApp messages cost?

Meta prices WhatsApp Business per conversation, by category and market, and revises the rate card periodically — check Meta's current pricing page for the Singapore rate before you budget.

Is GST included in software pricing?

Prices are quoted exclusive of GST unless clearly marked otherwise, and GST is added at the prevailing statutory rate on the invoice.

How do I know it paid back?

Extra visits multiplied by your margin per visit, measured against an unmessaged holdout group, minus the three cost lines. Anything else is a story rather than a payback calculation.

Do I need to change POS?

No. PEKO runs alongside the POS you already use, so the till, menu and kitchen flow stay exactly as they are.

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.

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