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Refreshed 08/11/2026PEKO vs Bizfly CRM
Written by PEKO Team.Last updated: 08/11/2026.
Published: 05/01/2026
Updated August 2026 — Bizfly CRM is a broad Vietnamese marketing/CRM suite from VCCorp covering email, SMS, landing pages, chat, and pipeline CRM. PEKO is the AI-native retention layer focused specifically on F&B and retail churn — narrower, deeper, POS-native. Bizfly is a wide marketing suite; PEKO is a focused AI retention product for F&B and retail.
Bizfly is part of the VCCorp ecosystem and has wide adoption among Vietnamese SMBs across many verticals — sales pipeline CRM, email marketing, landing pages, chat. PEKO is a different product entirely: a focused AI retention layer for F&B and retail that lives on top of your POS. This page compares them honestly.
- Bizfly is a wide marketing suite; PEKO is a focused AI retention product for F&B and retail.
- PEKO predicts churn and auto-writes Zalo win-back; Bizfly gives you the tools, you run the campaigns.
- PEKO is native to KiotViet/iPOS/Sapo/LOOP POS; Bizfly is lead-and-pipeline-first.
What is Bizfly CRM? VCCorp-owned Vietnamese CRM and marketing automation suite covering CRM, email/SMS, landing pages, and chat for SMBs and mid-market.
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
Choose PEKO when
- You're F&B or retail and your customers transact at a POS, not a sales pipeline.
- You want AI churn prediction and auto-written Zalo win-back, not a campaign builder.
- You don't have a marketing team to run drip campaigns.
- You need POS-native integration (KiotViet, iPOS, Sapo, LOOP) out of the box.
- 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 Bizfly CRM when
- You're a B2B or services business with a sales pipeline (leads, deals, quotes) — PEKO has no B2B sales pipeline; if your revenue comes from deals rather than repeat visits, this genuinely is the other tool.
- You need landing pages, email broadcasts, and chat bundled in one suite — PEKO deliberately ships none of those; it does the retention layer only, and pairs with whatever suite you already send from.
- Your team is comfortable building campaigns and segments manually — PEKO does not replace that team; the AI Agent only drafts the segments and campaigns for them to approve, which cuts the time without taking away control.
- You want one vendor for many marketing tools rather than a specialised retention product — vendor consolidation is a fair reason; PEKO takes the opposite bet: keep the POS you already run at zero switching cost, with automatic API sync to 6 common POS systems.
Feature by feature
| Feature | PEKO | Bizfly CRM |
|---|---|---|
| Product type | AI retention for F&B/retail | All-in-one CRM + marketing suite |
| Primary use-case | Keep paying customers coming back | Generate and nurture leads |
| AI churn prediction | Yes, 3 days ahead | No |
| Auto-written Zalo win-back | Yes, AI-personalised | Manual templates |
| POS-native (KiotViet, iPOS, Sapo, LOOP) | Yes | No |
| Email / SMS broadcast | Via Zalo + email | Yes (broad) |
| Landing pages | No | Yes |
| Pipeline CRM (deals, leads) | No | Yes |
| Best fit | F&B / retail with POS | B2B / services with sales pipeline |
| Starting price | Free forever | Module-based pricing |
| 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 |
| Can customers self-enrol without a cashier? | Yes — customers scan a table/receipt QR or photograph the bill and PEKO's OCR credits points automatically. Cashier is out of the enrolment loop. | Not clear from public documentation |
| Can it earn points from other POS receipts? | Yes — AI OCR reads receipts from any POS (KiotViet, iPOS, Sapo, MISA, PosApp, Toast, Square). No POS swap or API required. | Not clear from public documentation |
| Can someone who did not pay join? | Yes — anyone present scans the in-venue QR to join and receives a joining reward | Not stated in public documentation |
| Redeem rewards on online orders? | Yes — the same balance redeems online and in-store | Not stated in public documentation |
| How many automated message types? | 10 types, including points- and voucher-expiry reminders | Not stated in public documentation |
| Abuse controls when customers claim their own points? | Yes — rate limits, receipt age and value thresholds, 90-day brand-wide duplicate-image matching, risk-tiered actions | Not stated in public documentation |
Product type
AI retention for F&B/retail
All-in-one CRM + marketing suite
Primary use-case
Keep paying customers coming back
Generate and nurture leads
AI churn prediction
Yes, 3 days ahead
No
Auto-written Zalo win-back
Yes, AI-personalised
Manual templates
POS-native (KiotViet, iPOS, Sapo, LOOP)
Yes
No
Email / SMS broadcast
Via Zalo + email
Yes (broad)
Landing pages
No
Yes
Pipeline CRM (deals, leads)
No
Yes
Best fit
F&B / retail with POS
B2B / services with sales pipeline
Starting price
Free forever
Module-based pricing
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
Can customers self-enrol without a cashier?
Yes — customers scan a table/receipt QR or photograph the bill and PEKO's OCR credits points automatically. Cashier is out of the enrolment loop.
Not clear from public documentation
Can it earn points from other POS receipts?
Yes — AI OCR reads receipts from any POS (KiotViet, iPOS, Sapo, MISA, PosApp, Toast, Square). No POS swap or API required.
Not clear from public documentation
Can someone who did not pay join?
Yes — anyone present scans the in-venue QR to join and receives a joining reward
Not stated in public documentation
Redeem rewards on online orders?
Yes — the same balance redeems online and in-store
Not stated in public documentation
How many automated message types?
10 types, including points- and voucher-expiry reminders
Not stated in public documentation
Abuse controls when customers claim their own points?
Yes — rate limits, receipt age and value thresholds, 90-day brand-wide duplicate-image matching, risk-tiered actions
Not stated in public documentation
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 PEKO a replacement for Bizfly CRM?
Only if your retention use-case is the only thing you're using Bizfly for. Bizfly covers a lot of ground — sales pipeline, email broadcasts, landing pages — that PEKO deliberately doesn't. If you're F&B or retail and you're mainly using Bizfly for loyalty messaging on top of your POS, PEKO will do that job better with AI and POS-native integrations.
Why pick PEKO over Bizfly for an F&B chain?
Because Bizfly is built around a sales-pipeline mental model (leads → deals) which doesn't match F&B. PEKO is built around the F&B retention loop: POS transaction → churn risk score → automated Zalo win-back. The integrations, the AI, and the defaults are all tuned for that shape.
Can I keep Bizfly for marketing and use PEKO for retention?
Yes, and that's a common split. Bizfly runs your top-of-funnel (landing pages, lead capture, email broadcasts to the wider list). PEKO runs your retention loop on top of POS data. They don't conflict.
How does pricing compare?
Bizfly is modular — you pay per product (CRM, Email, Chat, etc.) and tier. PEKO has a free basic plan and paid AI tiers in the low millions of VND per month. For F&B retention specifically, PEKO is usually cheaper because you don't pay for tools you don't need.
Does Bizfly do Zalo OA?
Bizfly supports Zalo as one of several channels but treats it generically. PEKO is Zalo-first for F&B retention — the AI writes Zalo messages in Vietnamese tuned to your venue type, segment, and last-visit context.
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.
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PEKO vs CNV Loyalty
CNV Loyalty is a popular Vietnamese loyalty platform built for 20+ outlet chains. PEKO is the AI-native pick for independents and mid-sized chains that want retention on autopilot. This page compares them feature by feature so you can pick the right one.
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PEKO vs CNV Loyalty (ZNS module)
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Sources & citations
These public sources support the competitor pricing, feature, and limitation claims in this comparison.
- Bizfly CRM — Official product materials
Bizfly CRM feature scope, automation, and pricing approach.
- 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 Bizfly CRM 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 08/11/2026. 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 Bizfly CRM?
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.