Compare · Vietnam
Refreshed 08/11/2026PEKO vs iPOS Loyalty
Written by PEKO Team.Last updated: 08/11/2026.
Published: 05/24/2026
Updated August 2026 — iPOS Loyalty is the member module inside iPOS POS, popular with chains running iPOS end to end. PEKO is the AI-native loyalty layer that sits on top of iPOS (and 9 other POSes), adds AI churn prediction, AI-written win-back, ZNS at scale, and 15 reports.
iPOS is the deepest F&B-specialised POS in Vietnam — recipes, COGS, KDS, e-invoice. Its bundled loyalty module is fine for stamps and tiers but was never designed as a CRM. PEKO is the AI-native loyalty layer on top.
- iPOS Loyalty is iPOS-only; PEKO works with iPOS plus 9 other POSes.
- PEKO adds AI churn prediction, AI-written win-back, and receipt OCR.
- PEKO ships 15 operator reports; iPOS's module ships point balance + tier counts.
What is iPOS Loyalty? The loyalty / member module bundled with iPOS — Vietnam's largest F&B-specialised POS, popular with chains.
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 AI to score churn and write the win-back.
- You run multiple POSes across your group (iPOS + KiotViet + LOOP, etc.).
- You need Zalo OA + ZNS volume with pre-approved F&B templates.
- You want 15 retention reports, not stamp counts.
- 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 iPOS Loyalty when
- You run iPOS exclusively and have no plans to add another POS — sunk cost is a real reason; PEKO adds a layer beside what you own instead of replacing it, so you can run both for a season before deciding.
- You only need basic stamps and a tier badge — 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 do not need AI, identity unification, or multi-channel orchestration — then a simple stamp card is the honest answer; PEKO only pays for itself once you want lapsing guests found and messaged without someone doing it by hand.
Feature by feature
| Feature | PEKO | iPOS Loyalty |
|---|---|---|
| Product type | POS-agnostic AI loyalty layer | Loyalty module bundled with iPOS |
| Works with non-iPOS POS | Yes — 10 connectors + CSV | No (iPOS only) |
| AI churn prediction | Yes — 3 days ahead | No |
| AI-written win-back | Yes (PEKO Brain) | No |
| Receipt OCR scanning | Yes | No |
| Zalo OA + ZNS native | 30+ pre-approved templates | Manual / add-on |
| Identity unification (multi-branch + multi-POS) | Yes (phone + Zalo + email) | iPOS-only, phone-keyed |
| Operator reports | 15 (CLV, RFM, cohort, funnel…) | Point balance + tier counts |
| Setup time | 10–15 minutes | Bundled with iPOS onboarding |
| Pricing | Free forever (paid tiers from small) | Bundled into iPOS tiers |
| 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
POS-agnostic AI loyalty layer
Loyalty module bundled with iPOS
Works with non-iPOS POS
Yes — 10 connectors + CSV
No (iPOS only)
AI churn prediction
Yes — 3 days ahead
No
AI-written win-back
Yes (PEKO Brain)
No
Receipt OCR scanning
Yes
No
Zalo OA + ZNS native
30+ pre-approved templates
Manual / add-on
Identity unification (multi-branch + multi-POS)
Yes (phone + Zalo + email)
iPOS-only, phone-keyed
Operator reports
15 (CLV, RFM, cohort, funnel…)
Point balance + tier counts
Setup time
10–15 minutes
Bundled with iPOS onboarding
Pricing
Free forever (paid tiers from small)
Bundled into iPOS tiers
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
Can I keep iPOS as my POS and use PEKO for loyalty?
Yes — this is the recommended setup. iPOS keeps doing what it's best at (recipes, COGS, KDS, e-invoice) and PEKO consumes its transaction feed to run the loyalty layer.
What can PEKO do that iPOS Loyalty can't?
AI churn prediction 3 days ahead, AI-written win-back per guest, receipt OCR, Zalo OA + ZNS with 30+ pre-approved templates, and 15 retention reports vs iPOS's basic point balance and tier counts.
Will my iPOS member balances carry over?
Yes — the iPOS connector imports existing customers, point balances, and tier mappings. Customers don't re-register.
I have iPOS in some branches and KiotViet in others. Will it work?
Yes — that's exactly why PEKO is POS-agnostic. It unifies guests by phone, Zalo ID, and email so one customer reads as one customer across both POSes.
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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Sources & citations
These public sources support the competitor pricing, feature, and limitation claims in this comparison.
- iPOS.vn — Official loyalty and F&B materials
iPOS membership, CRM, restaurant stack, and integration claims.
- 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 iPOS 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 iPOS 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.