PEKO vs Ocard
Written by PEKO Research Team.Last updated: 10/07/2026.
Published: 07/23/2026
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 Ocard if you want distribution, and being discoverable inside Ocard's cross-brand app is a real acquisition channel in Taiwan and parts of APAC.
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.
Why owners switch from Ocard 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 | Ocard |
|---|---|---|
| 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 Ocard 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 Ocard 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 Ocard sources on this page (Oct 2026) |
| Setup time | About 15 minutes, self-serve | 1–3 weeks for onboarding + app listing |
| Starting price | Free up to 300 members, then US$39/month; 0% commission; cancel anytime | Not stated in the Ocard sources on this page (Oct 2026) |
| 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 |
| 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 |
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 Ocard 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 Ocard 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 Ocard sources on this page (Oct 2026)
Setup time
About 15 minutes, self-serve
1–3 weeks for onboarding + app listing
Starting price
Free up to 300 members, then US$39/month; 0% commission; cancel anytime
Not stated in the Ocard sources on this page (Oct 2026)
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
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
Ocard is loyalty only. PEKO + LOOP is loyalty and a free POS.
Ocard: 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
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.
Does Ocard have receipt scanning?
The Ocard sources cited on this page do not mention receipt scanning (checked October 2026), so ask Ocard 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 Ocard's loyalty programme?
The Ocard 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 Ocard by chatting with AI?
The Ocard 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.
- 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 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.
Ready to try PEKO instead of Ocard?
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How we check this content: Editorial policy · Chính sách biên tập (tiếng Việt)