PEKO vs Insider
Written by PEKO Research Team.Last updated: 10/07/2026.
Published: 05/01/2026
Updated October 2026: PEKO is the better pick for most independent cafés, restaurants and service venues in Southeast Asia: guests earn by snapping any receipt with no POS integration, the whole table joins via Group Check-In, and an embedded AI Agent sets up vouchers and campaigns from one message, from free up to 300 members.
Choose Insider if you don't yet have a CDP and want Insider's core product as your system of record.
Insider and PEKO solve different problems. Insider is a customer data system. PEKO is the AI loyalty and retention layer that sits on top. Predicting which guests are about to stop coming back and automating personalised win-back. This page compares them honestly so you can decide whether to run one, the other, or both.
- PEKO is a loyalty layer; Insider stays your system of record.
- PEKO adds Receipt Scan on any POS, Group Check-In and an AI Agent, plus AI churn prediction + automated Zalo OA / email / SMS win-back that Insider doesn't.
- Vietnamese venues using Insider typically bolt PEKO on for Zalo OA and local channels.
What is Insider? Global growth-management platform with CDP, web personalisation and cross-channel messaging.
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 want an venue-focused retention layer that complements an enterprise CDP, not to switch your existing tool.
- You need AI to flag customers who haven't rebooked in their usual window and re-engage them automatically.
- You operate in Vietnam or Southeast Asia where Insider has limited local channel support (Zalo OA, Momo).
- You want a free tier and 15-minute setup, not a long procurement cycle.
- 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 Insider when
- You don't yet have a CDP and want Insider's core product as your system of record.
- Your priority is enterprise CDP unification across many digital channels more than retention automation.
- You're happy to run loyalty as a manual side-task inside Insider rather than letting AI drive it.
Why owners switch from Insider to PEKO
1.Receipt Scan Loyalty: Snap any receipt. Points land in seconds.
Traditional loyalty CRM: Integration project or a specific POS. PEKO: Any POS that prints a receipt. Receipt Scan Loyalty →
2.Group Check-In: The whole table joins, not just the one who pays.
Traditional loyalty CRM: Only the person who pays. PEKO: Everyone at the table. Group Check-In →
3.AI-first operations (PEKO AI Agent): Prompt it. PEKO does it.
Traditional loyalty CRM: 10+ clicks across menus; staff need training. PEKO: One message to the AI Agent; you approve. AI-first operations (PEKO AI Agent) →
PEKO pricing: free up to 300 members, then S$49 in Singapore or RM99 in Malaysia/month on the Standard plan, 0% commission, cancel anytime.
Feature by feature
| Feature | PEKO | Insider |
|---|---|---|
| Earn by snapping any receipt (no POS integration) | Snap any receipt. Points land in seconds. Works with any POS that prints a receipt. | Not stated in the Insider sources on this page (Oct 2026) |
| Whole table joins (Group Check-In) | The whole table joins, not just the one who pays. 4 guests = 4 members. | Not stated in the Insider sources on this page (Oct 2026) |
| Change setup by chatting with an AI Agent | Prompt it. PEKO does it. Approval-gated: the Agent proposes, you decide. | Not stated in the Insider sources on this page (Oct 2026) |
| Setup time | About 15 minutes, self-serve | Tied to platform onboarding |
| Starting price | Free up to 300 members, then $35/month; 0% commission; cancel anytime | Not stated in the Insider sources on this page (Oct 2026) |
| Positioning | Loyalty + CRM layer that sits on top of your stack | Enterprise CDP, system of record |
| Enterprise CDP & web personalisation | Out of scope, keep theirs | Core product |
| AI churn prediction (3-day window) | Built-in | Not core to the product |
| Automated win-back across Zalo OA + email + SMS | Out of the box | Email/SMS only or manual |
| Vietnam channels (Zalo OA, Momo vouchers, VND) | Native | Limited or none |
| Pricing for the loyalty layer | Free tier + transparent monthly | Bundled into platform plans |
| Coexists with your current stack | Yes: designed to keep their CDP | Replaces the relevant module |
| 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 |
Earn by snapping any receipt (no POS integration)
Snap any receipt. Points land in seconds. Works with any POS that prints a receipt.
Not stated in the Insider sources on this page (Oct 2026)
Whole table joins (Group Check-In)
The whole table joins, not just the one who pays. 4 guests = 4 members.
Not stated in the Insider sources on this page (Oct 2026)
Change setup by chatting with an AI Agent
Prompt it. PEKO does it. Approval-gated: the Agent proposes, you decide.
Not stated in the Insider sources on this page (Oct 2026)
Setup time
About 15 minutes, self-serve
Tied to platform onboarding
Starting price
Free up to 300 members, then $35/month; 0% commission; cancel anytime
Not stated in the Insider sources on this page (Oct 2026)
Positioning
Loyalty + CRM layer that sits on top of your stack
Enterprise CDP, system of record
Enterprise CDP & web personalisation
Out of scope, keep theirs
Core product
AI churn prediction (3-day window)
Built-in
Not core to the product
Automated win-back across Zalo OA + email + SMS
Out of the box
Email/SMS only or manual
Vietnam channels (Zalo OA, Momo vouchers, VND)
Native
Limited or none
Pricing for the loyalty layer
Free tier + transparent monthly
Bundled into platform plans
Coexists with your current stack
Yes: designed to keep their CDP
Replaces the relevant module
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
Insider is loyalty only. PEKO + LOOP is loyalty and a free POS.
Insider: loyalty sold as a plan. PEKO + LOOP: PEKO loyalty free up to 300 members, plus LOOP POS free for one outlet, since 2019.
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
Do I have to drop Insider to use PEKO?
No. PEKO is explicitly designed as a loyalty layer on top of tools like Insider. You keep their CDP; PEKO ingests transactions or appointments and runs the AI retention layer on top.
What does PEKO add that Insider doesn't?
PEKO predicts which guests are about to stop coming back within a 3-day window, writes personalised win-back messages and triggers them across Zalo OA, email and SMS. Insider focuses on data unification, with loyalty as a secondary feature.
Does PEKO work for Vietnamese operators who already use Insider?
Yes. Vietnamese venues commonly run Insider for their core workflow and add PEKO for Zalo OA win-back, Momo vouchers and AI churn prediction in Vietnamese.
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.
Does Insider have receipt scanning?
The Insider sources cited on this page do not mention receipt scanning (checked October 2026), so ask Insider directly. With PEKO: Guests photograph the receipt your POS already prints. PEKO's AI reads the total, items, receipt number, date and time, and credits points in seconds. It works with any POS that prints a receipt, with no integration project and no cashier step, so enrolment no longer dies at peak hour.
Can a whole table join Insider's loyalty programme?
The Insider sources cited on this page do not describe a whole-table sign-up (checked October 2026). With PEKO: Every guest at the table scans one QR and joins in about 10 seconds with a welcome reward. Four guests become four members you can reach again, instead of one. Traditional programmes only ever enrol the payer.
Can I set up Insider by chatting with AI?
The Insider sources cited on this page do not mention an AI agent that builds setup from a message (checked October 2026). With PEKO: No more hunting for buttons to create one voucher. Tell the embedded AI Agent what you want in plain language, for example "20% off for regulars who haven't visited in 3 weeks, WhatsApp only, cap 500 redemptions", and it builds the voucher, segment or campaign for you. You review and click Approve; nothing goes live without you. The same AI watches for regulars who are drifting and drafts the win-back for you, 24/7.
Does receipt-scan loyalty miss transactions?
Receipt Scan records every sale a guest chooses to claim, whatever the payment method, including cash and e-wallets that payment-linked loyalty misses. Guests are prompted by the QR on the receipt and the table, Group Check-In enrols everyone at the table, and the AI Agent can send a reminder to members who stop claiming. Full answer: heypeko.com/answers/does-receipt-scan-loyalty-capture-every-sale
Does PEKO include a POS?
Not by itself: PEKO runs alongside any POS. If you also want a POS, LOOP POS, our sister product, is free for one outlet, and PEKO customers get 50% off LOOP's paid plans.
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Sources & citations
These public sources support the competitor pricing, feature, and limitation claims in this comparison.
- 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 Insider 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 10/07/2026. 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.
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How we check this content: Editorial policy · Chính sách biên tập (tiếng Việt)