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    Refreshed 09/15/2026

    PEKO vs CNV Loyalty

    Peko Research TeamWritten by Peko Research Team.Last updated: 09/15/2026.

    Published: 05/01/2026

    Updated September 2026 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.

    CNV Loyalty is a widely used points-and-vouchers platform in Vietnam, particularly for chains with 20+ outlets. PEKO is the AI-native alternative, focused on independent venues and mid-sized chains that need retention automated for them. This page is a straight comparison — which one is right for you?

    TL;DR
    • CNV Loyalty is a traditional loyalty platform built for large chains; PEKO is AI-native retention for independent venues and mid-sized chains.
    • PEKO predicts which customers will churn within 3 days and writes campaigns automatically — CNV doesn't.
    • PEKO has a free-forever basic plan; CNV is project-quoted.

    What is CNV Loyalty? Vietnam-based loyalty platform popular with mid-market F&B chains, focused on stamp cards, vouchers, and Zalo OA broadcast.

    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 run 1–10 venues.
    • You don't have a marketing team — you need AI to handle it.
    • You want to try it free before committing.
    • You want to be live the same day.
    • You want to cut your dependence on GrabFood / ShopeeFood.
    • 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 CNV Loyalty when

    • You run a chain of 20+ outlets that needs deep custom workflows — true; PEKO is a retention layer for independents and mid-sized chains, not an enterprise CDP; many chains run both, with the CDP as system of record and PEKO as the AI retention layer at the venue.
    • You have an in-house marketing team that can write campaigns themselves — 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 don't need AI prediction or automation — if basic points really are enough, you don't need PEKO; the thing worth checking is whether the points actually get awarded, because the cashier bottleneck is the most common reason loyalty programmes die (PEKO enrols via receipt OCR and QR, so it never depends on the cashier remembering).
    • A rollout budget above 50M VND is OK — that budget buys deep customisation; PEKO goes the other way: start free and be live in 10–15 minutes, so you can prove the retention lift before committing money.

    Feature by feature

    Feature by feature
    FeaturePEKOCNV Loyalty
    Product typeAI-native retentionTraditional loyalty
    Basic pointsYesYes
    Membership tiersYesYes
    Vouchers / promotionsYesYes
    AI churn predictionYes — 3 days aheadNo
    Auto-written win-back messagesYes (AI, personalised)No (manual templates)
    AI customer segmentationYesNo
    Direct online ordering (0% commission)Yes — fullLimited
    Receipt OCR scanningYesNo
    Zalo mini appYes (add-on)Yes (top tier)
    ZNS / ZBS (Zalo Business Service)Built-in, AI writes templatesAvailable as add-on module
    Pre-approved ZBS templates for F&B/spa30+ ready to sendSelf-submit for approval
    Multi-POS connectors (KiotViet, iPOS, Sapo, LOOP)Auto-syncProject-based integration
    Migration from competitorSame afternoon, points preserved
    Setup time10–15 minutes1–2 weeks
    Starting priceFree foreverFrom ~25M VND (branded app starter pack)
    Requires customers to install a branded appNo — runs on Zalo Mini App (no install)Yes for branded-app tier — install required
    Typical install rate for a single independent venueN/A — QR-to-Mini-App scan rate 55–75%3–8% install rate for standalone venues
    Reach on day one~75M Zalo users in Vietnam (no install)Zero until you fund install-ads (~30–50k VND per install)
    Primary fitIndependents + mid-sized chains20+ outlet chains
    AI marketingYes (PEKO Brain)No
    In-product AI Agent that takes actions for youYes — 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 rewardNot stated in public documentation
    Redeem rewards on online orders?Yes — the same balance redeems online and in-storeNot stated in public documentation
    How many automated message types?10 types, including points- and voucher-expiry remindersNot 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 actionsNot stated in public documentation

    Product type

    PEKO

    AI-native retention

    CNV Loyalty

    Traditional loyalty

    Basic points

    PEKO

    Yes

    CNV Loyalty

    Yes

    Membership tiers

    PEKO

    Yes

    CNV Loyalty

    Yes

    Vouchers / promotions

    PEKO

    Yes

    CNV Loyalty

    Yes

    AI churn prediction

    PEKO

    Yes — 3 days ahead

    CNV Loyalty

    No

    Auto-written win-back messages

    PEKO

    Yes (AI, personalised)

    CNV Loyalty

    No (manual templates)

    AI customer segmentation

    PEKO

    Yes

    CNV Loyalty

    No

    Direct online ordering (0% commission)

    PEKO

    Yes — full

    CNV Loyalty

    Limited

    Receipt OCR scanning

    PEKO

    Yes

    CNV Loyalty

    No

    Zalo mini app

    PEKO

    Yes (add-on)

    CNV Loyalty

    Yes (top tier)

    ZNS / ZBS (Zalo Business Service)

    PEKO

    Built-in, AI writes templates

    CNV Loyalty

    Available as add-on module

    Pre-approved ZBS templates for F&B/spa

    PEKO

    30+ ready to send

    CNV Loyalty

    Self-submit for approval

    Multi-POS connectors (KiotViet, iPOS, Sapo, LOOP)

    PEKO

    Auto-sync

    CNV Loyalty

    Project-based integration

    Migration from competitor

    PEKO

    Same afternoon, points preserved

    CNV Loyalty

    Setup time

    PEKO

    10–15 minutes

    CNV Loyalty

    1–2 weeks

    Starting price

    PEKO

    Free forever

    CNV Loyalty

    From ~25M VND (branded app starter pack)

    Requires customers to install a branded app

    PEKO

    No — runs on Zalo Mini App (no install)

    CNV Loyalty

    Yes for branded-app tier — install required

    Typical install rate for a single independent venue

    PEKO

    N/A — QR-to-Mini-App scan rate 55–75%

    CNV Loyalty

    3–8% install rate for standalone venues

    Reach on day one

    PEKO

    ~75M Zalo users in Vietnam (no install)

    CNV Loyalty

    Zero until you fund install-ads (~30–50k VND per install)

    Primary fit

    PEKO

    Independents + mid-sized chains

    CNV Loyalty

    20+ outlet chains

    AI marketing

    PEKO

    Yes (PEKO Brain)

    CNV Loyalty

    No

    In-product AI Agent that takes actions for you

    PEKO

    Yes — chat to create vouchers, segments, campaigns and settings; approval-gated (you click Approve)

    CNV Loyalty

    No — manual clicks through dashboards and dropdowns

    Can customers self-enrol without a cashier?

    PEKO

    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.

    CNV Loyalty

    Not clear from public documentation

    Can it earn points from other POS receipts?

    PEKO

    Yes — AI OCR reads receipts from any POS (KiotViet, iPOS, Sapo, MISA, PosApp, Toast, Square). No POS swap or API required.

    CNV Loyalty

    Not clear from public documentation

    Can someone who did not pay join?

    PEKO

    Yes — anyone present scans the in-venue QR to join and receives a joining reward

    CNV Loyalty

    Not stated in public documentation

    Redeem rewards on online orders?

    PEKO

    Yes — the same balance redeems online and in-store

    CNV Loyalty

    Not stated in public documentation

    How many automated message types?

    PEKO

    10 types, including points- and voucher-expiry reminders

    CNV Loyalty

    Not stated in public documentation

    Abuse controls when customers claim their own points?

    PEKO

    Yes — rate limits, receipt age and value thresholds, 90-day brand-wide duplicate-image matching, risk-tiered actions

    CNV Loyalty

    Not stated in public documentation

    PEKO AI Agent

    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.

    Step-level FAQ

    Questions merchants ask at each step

    Try the AI Agent

    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

    The proposed voucher will appear here after you send a request.

    FAQ

    Is CNV Loyalty free?

    CNV Loyalty is not free. They operate on a quote-based model — pricing depends on the number of outlets, the modules you enable, and how much customisation your team needs. For a 20-outlet chain, total cost of ownership in year one is typically tens of millions of VND, including setup, training, and the monthly licence. PEKO takes the opposite approach: a free-forever basic plan that any venue can sign up for, with paid plans only if you need AI features, multi-channel automation, or higher message volume.

    Can PEKO do everything CNV can do?

    For everyday loyalty mechanics — points, tiers, vouchers, Zalo messaging, member lists — yes. PEKO covers all of those out of the box and adds things CNV does not: AI predicting which customers will stop coming within 3 days, automatically written personalised win-back messages, receipt OCR, and 0% commission direct ordering. Where CNV pulls ahead is the level of bespoke workflow customisation for very large chains. If you're under ~20 outlets, you will not feel that gap.

    I currently use CNV — can I switch to PEKO?

    Yes, and most operators are live within a single afternoon. You export your customer list and recent transactions from CNV (or pull them from your POS — KiotViet, iPOS, Sapo, LOOP all work), import into PEKO, and the AI starts scoring churn risk within minutes. We keep your existing point balances and tier mappings intact, and your customers can keep using the same Zalo mini app flow without re-registering. There's no contract penalty on the PEKO side — start free, upgrade only if it pays back.

    Can I run PEKO and CNV side by side?

    Technically yes — they pull from the same POS data, so nothing breaks. In practice we don't recommend it for long, because your customers end up with two parallel loyalty experiences and your staff have to choose which one to push at checkout. A common pattern is to run both for 30 days to compare results on the same customer base, then keep whichever drives more repeat visits. PEKO's free plan makes that test essentially zero-cost.

    What is the biggest difference between CNV and PEKO?

    CNV is built around the assumption that you have people who will design and run loyalty campaigns. PEKO is built around the assumption that you don't — and uses AI to do that work for you. CNV is the right pick for a 30-outlet chain with a marketing team that wants a powerful toolbox. PEKO is the right pick for a single venue, a small group, or a growing chain that wants retention to just happen in the background while they focus on running the venue.

    How much does CNV Loyalty cost?

    CNV Loyalty is project-quoted, not list-priced. Year-one total cost of ownership in the Vietnamese market typically lands between 20M and 80M VND for chains in the 10–30 outlet range (setup + training + monthly licence + Zalo modules). Larger or more customised deployments go higher. PEKO is the opposite: free-forever basic plan, paid tiers start small if you need AI prediction, multi-channel automation, or higher ZBS message volume — so total cost is predictable from day one.

    Does CNV Loyalty support ZBS (Zalo Business Service)?

    Yes, CNV supports ZBS (the rebrand of ZNS), but it's typically packaged as an add-on module that has to be enabled and quoted separately. With PEKO, ZBS is built in across all paid tiers, and we ship 30+ pre-approved ZBS templates for F&B and spa use cases (booking confirm, appointment reminder, win-back, birthday, point expiry) so you can start sending the same day instead of waiting 1–2 weeks for Zalo to approve your own templates.

    Should I move from CNV Loyalty to PEKO?

    Move to PEKO if: (1) you run 1–20 venues and your CNV usage has stalled at basic points; (2) you want AI to predict churn and write win-back messages instead of paying a marketer to do it; (3) you want to test before paying — PEKO's free plan covers a full month of real operation. Stay on CNV if: (1) you run a 30+ outlet chain with a CRM team already trained on their workflows; (2) you've built deep custom integrations with their team you don't want to redo. The most honest answer for many chains is to run both for 30 days and keep whichever drives more repeat visits.

    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

    Sources & citations

    These public sources support the competitor pricing, feature, and limitation claims in this comparison.

    1. CNV Loyalty — Official product materials

      CNV product scope, Zalo-based loyalty modules, branded-app positioning, and quote-led sales model.

    2. 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.

    1. 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.
    2. Acknowledge real strengths. Each page includes a "Choose CNV Loyalty when" block that names the scenarios where the competitor is genuinely the better pick.
    3. 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.
    4. Refreshed when the market moves. This page was last updated on 09/15/2026. Spot a stale claim after a competitor pricing or feature change? Email hello@heypeko.com and we'll refresh it.
    5. 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 CNV 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.

    No POS yet? Open with LOOP

    PEKO adds retention to the POS you already run. If you have not picked a POS yet, LOOP is the AI POS from the same company — the two share one dataset, so nothing is entered twice.

    See LOOP POS — Vietnam

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