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Refreshed 08/11/2026PEKO vs Haravan Loyalty
Written by PEKO Team.Last updated: 08/11/2026.
Published: 05/01/2026
Updated August 2026 — Haravan Loyalty is the loyalty add-on inside Haravan's commerce ecosystem — strongest if you already run Haravan POS or Haravan ecommerce. PEKO is the AI-native retention layer that works regardless of which POS you use (KiotViet, iPOS, Sapo, LOOP, and more).
Haravan Loyalty is a strong choice when you already run Haravan POS or Haravan ecommerce — the integration is tight because it's the same vendor. PEKO is the alternative when you want AI-native retention that doesn't lock you into one commerce stack. This page compares the two for retail and F&B operators.
- Haravan Loyalty is best inside the Haravan ecosystem; PEKO works POS-agnostic.
- PEKO predicts churn and auto-writes Zalo win-back; Haravan Loyalty is points-and-vouchers.
- Pick Haravan if you're already all-in on Haravan; pick PEKO if you want AI retention on any POS.
What is Haravan Loyalty? Loyalty module within Haravan's commerce suite, popular with Vietnamese retail and omni-channel brands using Haravan POS, ecommerce, and Omnichannel.
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 don't use Haravan POS / ecommerce — your stack is KiotViet, iPOS, Sapo, LOOP, or similar.
- You want AI churn prediction and auto-written Zalo win-back, not just points and vouchers.
- You want a free plan to start before committing.
- You want a retention product that's not coupled to a single commerce platform.
- 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 Haravan Loyalty when
- You already run Haravan POS or Haravan ecommerce 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.
- Your priority is basic loyalty mechanics (points, tiers, vouchers) deeply tied to Haravan checkout — PEKO sits one layer out from checkout instead, syncing by API or receipt OCR, so the mechanics are the same but the enrolment no longer depends on the cashier.
- You don't need AI retention prediction — 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).
- You want a unified Haravan dashboard across commerce, loyalty, and Omnichannel — 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.
Feature by feature
| Feature | PEKO | Haravan Loyalty |
|---|---|---|
| Product type | AI retention, POS-agnostic | Loyalty module inside Haravan suite |
| AI churn prediction | Yes, 3 days ahead | No |
| Auto-written Zalo win-back | Yes, AI-personalised | Manual templates |
| POS coverage | KiotViet, iPOS, Sapo, LOOP, MISA CukCuk, and more | Haravan POS first |
| Ecommerce coverage | Via integrations | Haravan ecommerce native |
| Points / tiers / vouchers | Yes | Yes |
| Zalo OA / mini app | Native | Native |
| Best fit | Any POS / commerce stack wanting AI retention | Haravan-native retail / F&B |
| Starting price | Free forever | Module pricing in Haravan suite |
| Vendor lock-in | Low — works on any POS | Higher — coupled to Haravan |
| 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, POS-agnostic
Loyalty module inside Haravan suite
AI churn prediction
Yes, 3 days ahead
No
Auto-written Zalo win-back
Yes, AI-personalised
Manual templates
POS coverage
KiotViet, iPOS, Sapo, LOOP, MISA CukCuk, and more
Haravan POS first
Ecommerce coverage
Via integrations
Haravan ecommerce native
Points / tiers / vouchers
Yes
Yes
Zalo OA / mini app
Native
Native
Best fit
Any POS / commerce stack wanting AI retention
Haravan-native retail / F&B
Starting price
Free forever
Module pricing in Haravan suite
Vendor lock-in
Low — works on any POS
Higher — coupled to Haravan
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
I already use Haravan POS — should I switch to PEKO for loyalty?
Maybe. If Haravan Loyalty covers what you need (basic points, tiers, vouchers, Zalo broadcasts) and you value vendor consolidation, stay with Haravan. If you want AI churn prediction and auto-written Zalo win-back — features Haravan Loyalty doesn't have — add PEKO on top. PEKO can read transaction data from Haravan and run the AI retention layer alongside Haravan Loyalty.
I don't use Haravan — is Haravan Loyalty an option for me?
Technically yes, but the value drops a lot. Haravan Loyalty's main advantage is the integration into Haravan POS and Haravan ecommerce. If you use a different POS (KiotViet, iPOS, Sapo, LOOP), PEKO is the better fit because its integrations are native to your existing stack.
Can PEKO replace Haravan Loyalty entirely?
For most retail and F&B retention use-cases, yes. PEKO covers points, tiers, vouchers, Zalo OA, Zalo mini app, plus AI churn prediction and auto-written win-back. The case to keep Haravan Loyalty is if you specifically need its deep coupling to Haravan checkout flows.
How does pricing compare?
Haravan Loyalty is priced as a module in the Haravan suite — typically bundled with their POS or ecommerce tiers. PEKO has a free basic plan and AI tiers in the low millions of VND per month. For non-Haravan stacks, PEKO is cheaper because you're not paying for Haravan suite features you don't use.
Does PEKO work with Haravan ecommerce?
Yes via integration. If you run Haravan ecommerce and want AI retention without changing your store stack, PEKO can sit on top and read order data.
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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Sources & citations
These public sources support the competitor pricing, feature, and limitation claims in this comparison.
- Haravan — Official customer loyalty materials
Haravan omnichannel commerce, customer, and loyalty ecosystem 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 Haravan 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 Haravan 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.