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Refreshed 08/11/2026PEKO vs Bizfly Loyalty
Written by PEKO Team.Last updated: 08/11/2026.
Published: 05/01/2026
Updated August 2026 — Bizfly Loyalty is the loyalty module of VCCorp's broader Bizfly marketing suite, sold to enterprise marketing teams. PEKO is the AI-native, F&B-specific retention layer that runs out of the box on your existing POS. This page compares them feature by feature.
Bizfly (VCCorp) sells a multi-product marketing suite — CRM, CDP, email, Zalo, ads and a loyalty module. PEKO is purpose-built for F&B and service retention on top of the POS you already use. This page is a straight comparison of the two as loyalty/retention platforms — not the full suite.
- Bizfly Loyalty is one module inside a broader enterprise marketing suite; PEKO is a single-purpose AI retention layer for F&B and service venues.
- PEKO predicts churn 3 days ahead and writes Zalo OA win-back in Vietnamese automatically — Bizfly does not.
- PEKO is free forever for basics and native with KiotViet, iPOS, Sapo, LOOP, MISA CukCuk; Bizfly is quote-based and assumes you have a marketing team.
What is Bizfly Loyalty? Loyalty module of VCCorp's Bizfly marketing suite, bundled with their CRM, CDP and Zalo/Email tooling for enterprise marketers.
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 an F&B, spa or salon venue (1–50 outlets), not an enterprise marketing org.
- You don't have a marketing team to operate a multi-product suite.
- You want AI to predict and write retention campaigns for you.
- You want native POS integration without an integration project.
- You want to start free and only pay when AI pays back.
- 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 Loyalty when
- You already use other Bizfly products and want one vendor — 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.
- You have a 3+ person CRM/marketing team that operates a suite daily — 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.
- Your business is not F&B/service-led and needs broad multi-channel orchestration — setup effort is the fair objection; PEKO is live in 10–15 minutes and the AI Agent does the campaign work after that, which is the whole point of the Agent.
Feature by feature
| Feature | PEKO | Bizfly Loyalty |
|---|---|---|
| Product type | Single-purpose AI retention | Loyalty module in enterprise suite |
| Primary buyer | Owner / operator | CMO / marketing team |
| Basic points / tiers / vouchers | Yes | Yes |
| AI churn prediction | Yes — 3 days ahead | No |
| Auto-written Zalo OA win-back | Yes (AI, Vietnamese) | No (template-based) |
| RFM segmentation | Automatic | Manual rules |
| Direct online ordering (0% commission) | Yes — full | No |
| Receipt OCR | Yes | No |
| Zalo mini app | Yes | Yes |
| POS integrations | KiotViet, iPOS, Sapo, LOOP, MISA CukCuk | Custom integration project |
| Setup time | 10–15 minutes | 4–12 weeks |
| Starting price | Free forever | Quote, typically 8-figure VND / year |
| Primary fit | F&B/spa/salon 1–50 outlets | Mid-market & enterprise marketing teams |
| 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
Single-purpose AI retention
Loyalty module in enterprise suite
Primary buyer
Owner / operator
CMO / marketing team
Basic points / tiers / vouchers
Yes
Yes
AI churn prediction
Yes — 3 days ahead
No
Auto-written Zalo OA win-back
Yes (AI, Vietnamese)
No (template-based)
RFM segmentation
Automatic
Manual rules
Direct online ordering (0% commission)
Yes — full
No
Receipt OCR
Yes
No
Zalo mini app
Yes
Yes
POS integrations
KiotViet, iPOS, Sapo, LOOP, MISA CukCuk
Custom integration project
Setup time
10–15 minutes
4–12 weeks
Starting price
Free forever
Quote, typically 8-figure VND / year
Primary fit
F&B/spa/salon 1–50 outlets
Mid-market & enterprise marketing teams
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 Bizfly Loyalty free?
No. Bizfly Loyalty is sold as part of VCCorp's Bizfly suite on a quote basis — typical year-one total cost of ownership runs in tens of millions VND once you add CRM, CDP and integration. PEKO is free forever for points, tiers, vouchers and basic Zalo OA; you only pay if you want AI churn prediction, auto-written win-back or higher message volume.
Can PEKO do everything Bizfly Loyalty does?
For the loyalty/retention scope — points, tiers, vouchers, segmentation, Zalo OA + ZNS, mini app — yes, with the addition of AI churn prediction, auto-written campaigns, receipt OCR and POS-agnostic native integration. Bizfly pulls ahead only if you also need their broader CRM/CDP/email/ads orchestration with a dedicated marketing team operating it.
I currently use Bizfly — can I switch to PEKO?
Yes. Export customer list and points from Bizfly (or pull directly from your POS), import into PEKO, and you're live the same day. PEKO does not require an integration project or vendor onboarding; the AI scores churn risk within minutes of connecting your POS.
Can I run PEKO and Bizfly side by side?
Technically yes — they read the same POS data. The common pattern is to run both for 30 days, compare repeat-visit lift on the same customer base, and keep whichever drives more revenue per dong of cost. PEKO's free plan makes the test near zero cost.
What is the biggest difference between Bizfly and PEKO?
Bizfly is a marketing suite built for marketing teams to operate. PEKO is a retention autopilot built for owner-operators who don't have a marketing team. Bizfly is right when you have a 3+ person CRM team and need broad multi-channel orchestration. PEKO is right when you want retention to just happen in the background while you focus on running the venue.
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
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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 — Official loyalty and CRM materials
Bizfly loyalty, CRM, automation, and quote-led package scope.
- 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 Loyalty 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 Loyalty?
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.