PEKO vs POS365
POS365 is a popular all-in-one POS for Vietnamese SMBs with basic bundled loyalty. PEKO is the AI retention layer that sits on top of any POS (including POS365) to predict churn and auto-write Zalo OA win-back. POS365 is one of the most widely used POS systems in Vietnam for small and mid-sized F&B venues, retail and spas.
Written by PEKO Research Team.Last updated: 10/07/2026.
Published: 05/21/2026
Updated October 2026: PEKO is the better pick for most independent cafés, restaurants and service venues in Vietnam: 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 POS365 if you have no POS yet and need a complete sales system (inventory, shift sales, receipt printing).
POS365 is one of the most widely used POS systems in Vietnam for small and mid-sized F&B venues, retail and spas. Loyalty comes bundled with the basic POS365 plan (points, vouchers, member cards). PEKO is an AI retention layer that works independently of the POS. It runs on POS365 or any other POS (KiotViet, iPOS, Sapo, LOOP, MISA CukCuk) to predict churn and automate win-back.
- POS365 is a multi-vertical POS with basic loyalty; PEKO is a dedicated AI retention layer that runs on top.
- PEKO predicts churn 3 days ahead and auto-writes Vietnamese Zalo OA win-back: POS365 does not.
- Already on POS365? Run PEKO alongside, no POS migration needed.
What is POS365? POS365 is a widely used Vietnam POS for F&B, retail and spa SMBs. Strong on inventory, shift-based sales and receipt printing, with basic loyalty bundled in.
How do PEKO and LOOP POS work together?
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
When should you choose PEKO?
- You use POS365 for payments but want AI to predict which customers are about to lapse and write the Zalo OA win-back for you.
- You want automatic RFM segmentation instead of filtering by hand in POS365.
- You want a full Zalo Mini App plus Zalo ZNS integration with Vietnamese templates.
- You run several outlets and need cohort retention reports, not just revenue per shift.
- You want to start free for 300 identified customers before committing.
- 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.
When should you choose POS365?
- You have no POS yet and need a complete sales system (inventory, shift sales, receipt printing): PEKO is not a POS and cannot replace the till; if you need both, LOOP is the AI POS from the same ecosystem, already connected to PEKO (see LOOP + PEKO).
- You need a low-cost mainstream POS and do not care about AI retention: PEKO is not a POS and does not compete on POS price; if you need both, LOOP is the AI POS from the same ecosystem as PEKO (see LOOP + PEKO).
- Basic loyalty (points, vouchers) is enough and you do not need churn prediction yet: then you do not need PEKO yet; just check how many customers actually get their points, because the cashier bottleneck often kills a programme before it has any data.
- You are a small retailer with low customer volume and deep retention work is not worth it yet: at that size PEKO's free plan is enough; it covers up to 300 members, so this is not a spending decision.
Why owners switch from POS365 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 880.000₫/month on the Standard plan, 0% commission, cancel anytime.
How do the features compare?
| Feature | PEKO | POS365 |
|---|---|---|
| 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 POS365 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 POS365 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 POS365 sources on this page (Oct 2026) |
| Setup time | About 15 minutes, self-serve | Not stated in the POS365 sources on this page (Oct 2026) |
| Starting price | Free up to 300 members, then 880.000₫/month; 0% commission; cancel anytime | From ~189k/month (POS) |
| Product type | Dedicated AI retention | Multi-vertical POS + basic loyalty |
| AI churn prediction | Yes, 3 days ahead | No |
| AI-written Zalo OA win-back (Vietnamese) | Yes | No (manual templates) |
| Automatic RFM segmentation | Yes | Manual filtering |
| Points / tiers / vouchers | Yes | Yes (basic) |
| Zalo Mini App | Yes, full | Limited / via third parties |
| Zalo ZNS templates | Many ready-made templates | You register them yourself |
| Integration with other POS | KiotViet, iPOS, Sapo, LOOP, MISA CukCuk (and POS365) | POS365 only |
| Cohort retention reports | Yes | No |
| Inventory / shift sales / receipt printing | No (needs a POS) | Yes |
| Best fit | F&B and service venues that want AI retention | Small and mid-sized venues that need a full POS |
| 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 POS365 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 POS365 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 POS365 sources on this page (Oct 2026)
Setup time
About 15 minutes, self-serve
Not stated in the POS365 sources on this page (Oct 2026)
Starting price
Free up to 300 members, then 880.000₫/month; 0% commission; cancel anytime
From ~189k/month (POS)
Product type
Dedicated AI retention
Multi-vertical POS + basic loyalty
AI churn prediction
Yes, 3 days ahead
No
AI-written Zalo OA win-back (Vietnamese)
Yes
No (manual templates)
Automatic RFM segmentation
Yes
Manual filtering
Points / tiers / vouchers
Yes
Yes (basic)
Zalo Mini App
Yes, full
Limited / via third parties
Zalo ZNS templates
Many ready-made templates
You register them yourself
Integration with other POS
KiotViet, iPOS, Sapo, LOOP, MISA CukCuk (and POS365)
POS365 only
Cohort retention reports
Yes
No
Inventory / shift sales / receipt printing
No (needs a POS)
Yes
Best fit
F&B and service venues that want AI retention
Small and mid-sized venues that need a full POS
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
What should you know about POS365 includes a POS. So do we, for free?
POS365: POS and loyalty sold as a plan. PEKO + LOOP: PEKO loyalty free up to 300 members, plus LOOP POS free for one outlet, since 2019. Already on POS365? Keep it: PEKO works alongside it with Receipt Scan, no integration needed.
What should you know about 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
How do you ask, review and 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
What else do owners ask?
I use POS365. Do I need to change POS to use PEKO?
No. PEKO is a retention layer that sits on top of the POS and runs alongside POS365 or any other POS. You save 5–20 million in migration costs and do not have to retrain staff.
POS365 already has loyalty. Why add PEKO?
POS365 loyalty is basic points and vouchers, enough to record points at the counter. PEKO adds what a POS does not have: AI that predicts which customers are about to lapse, personalised Vietnamese Zalo OA win-back written for you, automatic RFM segmentation and cohort reports. Typical ROI: 3–5 weeks payback for a single-outlet café.
Can PEKO replace POS365?
No. PEKO has no inventory, receipt printing or shift sales; that is the POS's job. PEKO only does retention. The right setup is POS365 for payments and PEKO for retention.
How long does it take to connect POS365 to PEKO?
Usually 10–20 minutes via an API connection or a scheduled CSV import. PEKO reads transactions from POS365 and tags customers by RFM within minutes of each sync.
How do the prices compare?
POS365 charges by POS plan (from ~189k/month depending on features), with loyalty included. PEKO has a free plan for 300 identified customers, and the AI tier starts at 880.000₫/month. Small venues usually spend under 500k/month in total for POS365 and PEKO together.
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 POS365 have receipt scanning?
The POS365 sources cited on this page do not mention receipt scanning (checked October 2026), so ask POS365 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 POS365's loyalty programme?
The POS365 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 POS365 by chatting with AI?
The POS365 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, Zalo 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.
What else should you read?
Comparator
PEKO vs Bizfly CRM
Bizfly CRM is a broad Vietnamese marketing/CRM suite from VCCorp covering email, SMS, landing pages, chat, and pipeline CRM. PEKO is the AI-native retention layer focused specifically on F&B and retail churn, narrower, deeper, POS-native.
Comparator
PEKO vs Bizfly Loyalty
Bizfly Loyalty is the loyalty module of VCCorp's broader Bizfly marketing suite, sold to enterprise marketing teams. PEKO is the AI-native, F&B-specific retention layer that runs out of the box on your existing POS. This page compares them feature by feature.
Comparator
PEKO vs CNV Loyalty
CNV Loyalty is a popular Vietnamese loyalty platform built for 20+ outlet chains. PEKO is the AI-native pick for independents and mid-sized chains that want retention on autopilot. This page compares them feature by feature so you can pick the right one.
Where do these facts come from?
These public sources support the competitor pricing, feature, and limitation claims in this comparison.
- POS365: Official product and pricing materials
POS365 restaurant POS, customer, loyalty, and pricing 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 POS365 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 POS365?
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.
What should you know about Compare PEKO with the rest?
How we check this content: Editorial policy · Chính sách biên tập (tiếng Việt)