Compare · Taiwan / APAC
PEKO vs Ocard
Written by Peko Research Team.Last updated: 07/23/2026.
Published: 07/23/2026
Updated July 2026 — Ocard is a well-established cross-brand loyalty network, strong in Taiwan, with gamification and an AirAsia points partnership that some brands value. Two structural choices set PEKO apart: Ocard emphasizes configurable campaign automation and a shared rewards ecosystem, while PEKO predicts likely churn at day 3–7 and keeps each venue's member experience brand-specific via WhatsApp Business.
Ocard is a real cross-brand network, and its consumer app, gamification, and AirAsia points partnership are genuine reasons brands sign up. This page compares the two philosophies honestly: shared rewards ecosystem vs venue-owned membership, and configurable rule-based campaigns vs day-3-to-7 predictive saves. See how PEKO shows up in-market on our Singapore, Malaysia and Philippines country pages.
- Ocard wins on ecosystem: Taiwan brand recognition, consumer-app reach, gamification, and AirAsia points conversion.
- PEKO wins on predictive timing + ownership: it flags likely churn at day 3–7, and members belong to your venue, not a shared app.
- Verdict: choose Ocard if you want your venue inside a cross-brand rewards ecosystem. Choose PEKO if you want predictive churn alerts and a customer list that stays yours.
What is Ocard? Taiwan-headquartered cross-brand loyalty and rewards network with strong consumer-app adoption, gamified mechanics, and an AirAsia points partnership.
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 identify likely churn 3–7 days early rather than configuring inactivity rules yourself.
- You want your customer list to belong to your venue only, reachable via WhatsApp Business, not living inside another vendor's app.
- You don't want your members seeing competing brands' offers inside the same rewards feed.
- You want AI to write the win-back message and pick the channel automatically.
- You prefer flat published pricing and a free tier over ecosystem-based economics.
- 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 Ocard when
- You want distribution, and being discoverable inside Ocard's cross-brand app is a real acquisition channel in Taiwan and parts of APAC — PEKO brings no ready-made audience; in exchange you keep every customer record and your full margin instead of sharing both with a network.
- Your customers value converting rewards into AirAsia miles or other coalition perks — PEKO brings no ready-made audience; in exchange you keep every customer record and your full margin instead of sharing both with a network.
- You like gamified mechanics (missions, badges, streaks) as your core loyalty motion — PEKO does not lead with missions and badges; it leads with predicting who is about to lapse and writing the win-back for you.
- You operate primarily in Taiwan, where Ocard's brand recognition is strongest — PEKO is focused on Vietnam and Southeast Asia; outside that footprint their local presence is a real advantage.
Feature by feature
| Feature | PEKO | Ocard |
|---|---|---|
| Primary purpose | AI loyalty + churn prediction + autopilot win-backs | Cross-brand loyalty network + gamified rewards app |
| AI churn prediction (3–7 day window) | Yes — predicts lapse at day 3–7 and acts immediately | Campaign automation and segmentation; no equivalent 3–7 day predictive claim found in cited materials |
| Automated win-back timing | Predicts likely churn at day 3–7 | Configured through campaign rules and segmentation |
| Rule-based vs predictive | Predictive (ML-first) | Rule-based |
| Member ecosystem | Your venue only — members belong to you | Shared Ocard app — members see other brands' offers and rewards |
| Rewards portability | Rewards redeemed at your venue, on your terms | Points can convert to AirAsia miles + other coalition partners |
| Free tier | Free-forever plan (up to 300 members) | Merchant plan required — no F&B free tier equivalent |
| Published pricing | Flat, published | Quote-based per market |
| Setup time | Same day — 15-minute onboarding | 1–3 weeks for onboarding + app listing |
| Requires customer app | No — WhatsApp Business + web wallet | Yes — customers install the Ocard app |
| Member data ownership | Your list, your export, anytime | Members are Ocard app users; you access your slice |
| WhatsApp-native messaging | Native, template-approved | In-app notifications primary |
| 0% commission direct ordering | Yes — built-in | Not the core product |
| Best for | F&B brands who want to save at-risk regulars in week one, not at day 60 | Brands who want distribution inside a cross-brand APAC rewards ecosystem |
| 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 |
Primary purpose
AI loyalty + churn prediction + autopilot win-backs
Cross-brand loyalty network + gamified rewards app
AI churn prediction (3–7 day window)
Yes — predicts lapse at day 3–7 and acts immediately
Campaign automation and segmentation; no equivalent 3–7 day predictive claim found in cited materials
Automated win-back timing
Predicts likely churn at day 3–7
Configured through campaign rules and segmentation
Rule-based vs predictive
Predictive (ML-first)
Rule-based
Member ecosystem
Your venue only — members belong to you
Shared Ocard app — members see other brands' offers and rewards
Rewards portability
Rewards redeemed at your venue, on your terms
Points can convert to AirAsia miles + other coalition partners
Free tier
Free-forever plan (up to 300 members)
Merchant plan required — no F&B free tier equivalent
Published pricing
Flat, published
Quote-based per market
Setup time
Same day — 15-minute onboarding
1–3 weeks for onboarding + app listing
Requires customer app
No — WhatsApp Business + web wallet
Yes — customers install the Ocard app
Member data ownership
Your list, your export, anytime
Members are Ocard app users; you access your slice
WhatsApp-native messaging
Native, template-approved
In-app notifications primary
0% commission direct ordering
Yes — built-in
Not the core product
Best for
F&B brands who want to save at-risk regulars in week one, not at day 60
Brands who want distribution inside a cross-brand APAC rewards ecosystem
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
How does Ocard win-back differ from PEKO?
Ocard's public materials emphasize configurable campaigns, segmentation, and cross-brand rewards. PEKO specifically predicts likely churn 3–7 days early and automates the WhatsApp Business win-back. We found no current Ocard source supporting the previously quoted fixed 60-day trigger, so this comparison does not rely on it.
What's the shared-app tradeoff?
Ocard is a network — your customers join Ocard's app, and inside that app they can see other brands' offers and even convert points to AirAsia miles. That's a real acquisition benefit if you want cross-brand distribution; it's a real ownership tradeoff if you want your list to belong to your venue only.
Is Ocard's gamification worth it?
For some brands, yes — missions, badges, and streaks drive genuine engagement. PEKO's bet is different: instead of gamifying the customer's app experience, we make the AI do the retention work in the background over WhatsApp, so the customer doesn't need to open an app at all.
What about the AirAsia miles partnership?
It's a real perk — Ocard members can convert points to AirAsia miles, which is meaningful in Taiwan and parts of SEA. If travel-linked rewards are core to your value prop, that's an honest point for Ocard.
Can I keep my customer list if I leave Ocard?
You'll want to check your contract terms with Ocard on member-data portability. With PEKO, exports are open by default — your list is your list.
I'm in Taiwan — is Ocard the default choice?
In Taiwan specifically, Ocard's brand recognition and network effect are strong; it's a defensible default there. Outside Taiwan (and especially in Vietnam / Singapore / Malaysia / Philippines), PEKO's AI + WhatsApp-native model is the sharper fit for F&B retention.
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.
- Ocard Rewards — Official program page
Cross-brand rewards ecosystem and consumer membership model.
- AirAsia Newsroom — Ocard partnership
AirAsia points partnership with Ocard merchants.
- Ocard — Google Play listing
Public evidence of Ocard's shared consumer app and adoption.
- 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 Ocard 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 07/23/2026. 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 Ocard?
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.