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Refreshed 07/23/2026PEKO vs Advocado
Written by PEKO Team.Last updated: 07/23/2026.
Published: 07/23/2026
Advocado is the well-known incumbent for Singapore F&B loyalty — a lot of the brands you eat at every week are on it, and the PSG-approved status is a legitimate reason to consider them first. This page is a fair market analyst read: where Advocado is the right pick today, where PEKO is, and how the two philosophies differ. See how PEKO shows up in-market on our Singapore, Malaysia and Philippines country pages.
- Advocado wins on PSG subsidy (up to 50% off) and a human Growth Consultant many SG brands genuinely value.
- PEKO wins on AI: 3–7 day churn prediction, daily automated action, WhatsApp Business as the primary channel.
- Verdict: choose Advocado if you want PSG subsidy and a consultant. Choose PEKO if you want AI that predicts and acts daily, with a free start.
What is Advocado? Singapore-headquartered CRM and loyalty platform used by 900+ outlets; PSG-approved (eligible SMEs may receive up to 50% support) with a human Growth Consultant model and phone-number member enrolment.
Choose PEKO when
- You want AI that predicts which regulars will stop coming back in the next 3–7 days — not a quarterly report of who already stopped.
- You want the platform to write and send the WhatsApp Business win-back automatically, not brief a Growth Consultant to plan a campaign.
- You want to start on a free tier and see published pricing before you talk to sales.
- You'd rather not wait for a quarterly review to change your retention approach — PEKO's model retrains and acts daily.
- You're a smaller independent (1–10 outlets) and want to be live the same afternoon you sign up.
- You'd rather chat to your loyalty tool than click through 10 dropdowns — PEKO's AI Agent creates vouchers, segments and campaigns for you, and you only click Approve.
Choose Advocado when
- You want the PSG subsidy (up to 50%) — Advocado is on the pre-approved vendor list; PEKO is not (yet).
- You value a named human Growth Consultant running quarterly strategy reviews with your team.
- You prefer rule-based campaigns you understand end-to-end (birthday, Nth visit, tier upgrade) over ML predictions you have to trust.
- You have an established SG chain already deep in the Advocado stack and switching cost is high.
Feature by feature
| Feature | PEKO | Advocado |
|---|---|---|
| Primary purpose | AI loyalty + churn prediction + autopilot win-backs | F&B loyalty CRM with human Growth Consultant advisory |
| AI churn prediction (3–7 day window) | Yes — predictive model flags at-risk members daily | No — rule-based (birthdays, visit counts, tier thresholds) |
| Automated win-back campaigns | Yes — AI picks segment, channel, copy, send time | Manual — set up with your Growth Consultant |
| Rule-based vs predictive | Predictive (ML-first) | Rule-based |
| Free tier | Free-forever plan (up to 300 members) | No permanent free tier shown on its SG pricing page |
| Published pricing | From S$449 / year flat, on the pricing page | Published per-outlet SG plans; PSG support may reduce eligible cost |
| Setup time | Same day — 15-minute onboarding | 1–4 weeks with Growth Consultant kickoff |
| Requires customer app | No — WhatsApp Business + web wallet | No — phone-number enrolment (a genuine strength) |
| Member data ownership | Your list, your export, anytime | Your list, exportable |
| WhatsApp-native messaging | Native, template-approved | SMS + email primary |
| 0% commission direct ordering | Yes — built-in ordering layer at 0% commission | Not a direct-ordering product |
| Works alongside any POS | Yes — layers on any POS | Yes — integrates with major SG POS stacks |
| PSG grant eligible (SG) | Not on the pre-approved list | Yes — up to 50% subsidy |
| Best for | F&B operators who want AI to run retention with no marketing team | SG brands who want PSG subsidy + a human consultant |
| In-product AI Agent that takes actions for you | Yes — chat to create vouchers, segments, campaigns and settings; approval-gated (you click Approve) | No — manual clicks through dashboards and dropdowns |
Primary purpose
AI loyalty + churn prediction + autopilot win-backs
F&B loyalty CRM with human Growth Consultant advisory
AI churn prediction (3–7 day window)
Yes — predictive model flags at-risk members daily
No — rule-based (birthdays, visit counts, tier thresholds)
Automated win-back campaigns
Yes — AI picks segment, channel, copy, send time
Manual — set up with your Growth Consultant
Rule-based vs predictive
Predictive (ML-first)
Rule-based
Free tier
Free-forever plan (up to 300 members)
No permanent free tier shown on its SG pricing page
Published pricing
From S$449 / year flat, on the pricing page
Published per-outlet SG plans; PSG support may reduce eligible cost
Setup time
Same day — 15-minute onboarding
1–4 weeks with Growth Consultant kickoff
Requires customer app
No — WhatsApp Business + web wallet
No — phone-number enrolment (a genuine strength)
Member data ownership
Your list, your export, anytime
Your list, exportable
WhatsApp-native messaging
Native, template-approved
SMS + email primary
0% commission direct ordering
Yes — built-in ordering layer at 0% commission
Not a direct-ordering product
Works alongside any POS
Yes — layers on any POS
Yes — integrates with major SG POS stacks
PSG grant eligible (SG)
Not on the pre-approved list
Yes — up to 50% subsidy
Best for
F&B operators who want AI to run retention with no marketing team
SG brands who want PSG subsidy + a human consultant
In-product AI Agent that takes actions for you
Yes — chat to create vouchers, segments, campaigns and settings; approval-gated (you click Approve)
No — manual clicks through dashboards and dropdowns
From your chat request to a live merchant setup — 5 steps.
Here's the before/after workflow: the strikethrough line is how other tools make you do it, the line below is how PEKO's AI Agent does it for you.
Click a step to run it in the demo below.
Sample prompt
“20% off weekday lunch for lapsed diners we haven't seen in 30 days, cap 1 per customer.”
Ready-to-paste voucher request — drop it straight into the AI Agent chat.
Questions merchants ask at each step
Ask, review, approve.
Describe the voucher you want in one sentence. PEKO's AI Agent drafts the full configuration; you approve it with one click — no 10-step form.
Your request
Or try one of these:
Proposed voucher
FAQ
Is Advocado better than PEKO for Singapore F&B?
It depends. If PSG support matters to you and you value a Growth Consultant, Advocado is a legitimately strong pick — its public company profile says 900+ outlets use it. If you want an AI that predicts churn 3–7 days ahead and writes the WhatsApp win-back itself, PEKO is the better fit.
Can I get PSG subsidy on PEKO?
Not today. Advocado is on the PSG pre-approved list; PEKO isn't. That's their real advantage right now and we'd rather say it plainly than dance around it.
How is the retention approach different?
Advocado is rule-based: birthdays, visit counts, tier thresholds, mostly tuned quarterly with a Growth Consultant. PEKO is predictive: an ML model retrains daily on your order history, flags the specific customers likely to lapse in the next 3–7 days, and sends the WhatsApp Business message automatically.
Do I need a marketing team to run PEKO?
No — the AI is the marketing team. It picks the segment, writes the message, picks the send time. That's the biggest operational difference from Advocado, where the Growth Consultant model assumes you'll co-plan the campaigns.
What does PEKO cost vs Advocado?
PEKO publishes flat pricing from S$449 / year with a free tier up to 300 members. Advocado publishes per-outlet SG plans; effective cost varies by outlet count and PSG eligibility. Check both current pricing pages before buying.
Can I run both?
Technically yes, but they overlap enough that most operators pick one. If you're already on Advocado and it's working, don't switch just because; if you're starting fresh and want AI + free-to-start, PEKO is designed for that.
Do I still need to learn a complicated dashboard?
No. PEKO's embedded AI Agent takes actions for you — creating vouchers, building segments, drafting campaigns — inside the product. You describe what you want in chat, the Agent configures it, and you only click Approve. The full dashboard is there when you want it, but on any given day you can run PEKO by messaging the Agent.
People also read
Answer
Advocado vs PEKO — the quick answer?
Advocado is the PSG-subsidised, Singapore-headquartered incumbent; PEKO is the AI-first, free-to-300-members challenger — pick Advocado for the grant, PEKO for AI churn prediction and messaging that runs itself.
Answer
Best Restaurant Loyalty & CRM Software in Singapore (2026) — An Honest Comparison
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.
Answer
How do I set up a WhatsApp loyalty program in Singapore or Malaysia?
Setting up a WhatsApp loyalty program in Singapore or Malaysia takes 15 minutes — verify your Business number, connect it to a retention layer like PEKO, opt-in customers with a one-line consent line, and settle rewards via PayNow (SG) or TNG/DuitNow (MY).
Sources & citations
These public sources support the competitor pricing, feature, and limitation claims in this comparison.
- Advocado — Singapore pricing
Current published per-outlet plans and included features.
- Advocado — Official product materials
Phone-number enrolment, no customer app, loyalty CRM, and campaign features.
- Advocado — PSG information
Advocado's PSG positioning; eligibility and support remain subject to the current government scheme.
- GoBusiness Singapore — Productivity Solutions Grant
Current official PSG eligibility framework and support conditions.
- PEKO — Plans and pricing
PEKO free-plan, paid-plan, and included-feature claims used in the comparison.
How we compare
Every comparison on this site is written from a fair market analyst stance — no hit pieces, no puffery.
- Public materials first. Competitor pricing, feature, and limitation claims are sourced from their own website, marketing collateral, and public reviews (Capterra, G2, App Store) — see the Sources & citations block above.
- Acknowledge real strengths. Each page includes a "Choose Advocado when" block that names the scenarios where the competitor is genuinely the better pick.
- Same feature grid. Every comparator uses the same feature axes (pricing, setup time, messaging channel, churn prediction, data ownership, and more) so you can read across vendors on the same grid.
- Refreshed when the market moves. This page was last updated on 07/23/2026. Spot a stale claim after a competitor pricing or feature change? Email hello@heypeko.com and we'll refresh it.
- No pay-to-rank. We take no payment from competitors to shape rankings or hide weaknesses. If you spot bias, tell us and we'll rewrite the section.
Ready to try PEKO instead of Advocado?
Start free in 15 minutes — or book a 15-minute demo and we'll run the AI Agent on a sample of your data so you can see the churn saves live.