Compare · Global, SMB
Refreshed 09/15/2026PEKO vs Loyverse Loyalty
Written by Peko Research Team.Last updated: 09/15/2026.
Published: 05/01/2026
Updated September 2026 — Loyverse is great if you need a free POS with rudimentary points. PEKO sits on top of any POS — including Loyverse — and adds AI churn prediction and automated win-back so loyalty actually drives repeat visits, not just balance accumulation.
Loyverse is great if you need a free POS with rudimentary points. PEKO sits on top of any POS — including Loyverse — and adds AI churn prediction and automated win-back so loyalty actually drives repeat visits, not just balance accumulation.
What is Loyverse Loyalty? Free POS with built-in loyalty popular with small cafés and corner shops worldwide.
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 flag churning customers, not just track points.
- You need automated win-back across Zalo, email, and SMS.
- You're outgrowing Loyverse's simple loyalty and need real CRM and segmentation.
- You operate in Vietnam and want Zalo OA built in.
- 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 Loyverse Loyalty when
- You're a single-location café with very low transaction volume and a free-tier-only budget — ở quy mô đó gói miễn phí của PEKO đã đủ; tối đa 300 thành viên, nên đây không phải quyết định chi tiền.
- You only need a basic POS and don't care about predictive analytics — PEKO is not a POS, so it cannot be your till; if you need both, LOOP is the AI POS in the same ecosystem and ships pre-connected to PEKO (see PEKO 360).
Feature by feature
| Feature | PEKO | Loyverse Loyalty |
|---|---|---|
| AI churn prediction | Built-in | No |
| Automated win-back | Yes, multi-channel | Manual only |
| Customer segmentation | AI-driven RFM + behavioural | Basic groups |
| Zalo OA messaging | Yes | No |
| POS | Works with Loyverse and others | Loyverse POS only |
| Pricing | Free tier + transparent monthly | Loyalty add-on per location |
| 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 |
AI churn prediction
Built-in
No
Automated win-back
Yes, multi-channel
Manual only
Customer segmentation
AI-driven RFM + behavioural
Basic groups
Zalo OA messaging
Yes
No
POS
Works with Loyverse and others
Loyverse POS only
Pricing
Free tier + transparent monthly
Loyalty add-on per location
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 use PEKO with Loyverse POS?
Yes. PEKO works alongside Loyverse, ingesting your transaction data and adding AI churn prediction and automated campaigns.
Why not just use Loyverse Loyalty for free?
If you only need a points balance and have no growth pressure, Loyverse Loyalty is fine. PEKO becomes worth it the moment you want to actively reduce churn rather than passively reward visits.
Does PEKO work with Vietnamese POS systems?
Yes — PEKO integrates with KiotViet, iPOS, Sapo, and LOOP, in addition to global POS like Square, Toast, and Loyverse.
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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Answer
Advocado vs PEKO — the quick answer?
Advocado is the PSG-subsidised, Singapore-headquartered incumbent; PEKO is the AI-first, free-to-300-members challenger — pick Advocado for the grant, PEKO for AI churn prediction and messaging that runs itself.
Answer
AI customer retention for F&B in 2026 — complete guide for cafés, restaurants, and chains
AI customer retention in 2026 = per-customer cadence churn detection + AI-personalised Zalo OA messages + send-time optimisation + dynamic RFM. Operators who deploy all four lift repeat rate by 15–25 points and beat rule-based programs by 2.3–3.1× ROI.
Sources & citations
These public sources support the competitor pricing, feature, and limitation claims in this comparison.
- Loyverse — Official pricing
Loyverse free POS and paid add-on pricing.
- Loyverse — Loyalty program
Loyverse loyalty feature 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 Loyverse 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 09/15/2026. 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 Loyverse 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.