Compare · Vietnam
Refreshed 08/11/2026PEKO vs PosApp Loyalty
Written by PEKO Team.Last updated: 08/11/2026.
Published: 05/24/2026
Updated August 2026 — PosApp Loyalty is the basic points / member module inside PosApp POS, popular with Vietnamese SMB F&B. PEKO is the AI-native loyalty layer that sits on top of PosApp (and 9 other POSes), adds AI churn prediction, AI-written win-back, ZNS at scale, and 15 reports.
PosApp is a popular SMB POS in Vietnam and its bundled loyalty module gives you points and a tier badge. PEKO is the AI-native loyalty layer that runs on top of PosApp without replacing it.
- PosApp Loyalty is locked to PosApp; PEKO works with PosApp + 9 other POSes.
- PEKO predicts churn 3 days ahead and writes the win-back; PosApp's module doesn't.
- PEKO has 15 retention reports; PosApp Loyalty has point balance + tier counts.
What is PosApp Loyalty? The loyalty module bundled with PosApp — Vietnamese SMB-focused POS for F&B and retail.
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 churn prediction, not stamp counting.
- You plan to add more branches or a second POS.
- You need ZNS and Zalo OA orchestration.
- You want operator reports that drive retention budget decisions.
- 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 PosApp Loyalty when
- You run a single PosApp till and only need basic points — 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 have no AI, ZNS, or multi-channel needs — 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).
Feature by feature
| Feature | PEKO | PosApp Loyalty |
|---|---|---|
| Product type | POS-agnostic AI loyalty layer | Loyalty module bundled with PosApp |
| Works with non-PosApp POS | Yes — 10 connectors + CSV | No (PosApp 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 | SMS-first / manual |
| Multi-branch identity unification | Yes (phone + Zalo + email) | Per-branch phone match |
| Operator reports | 15 (CLV, RFM, cohort, funnel…) | Point balance + tier counts |
| Pricing | Free forever (paid tiers from small) | Bundled into PosApp 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 PosApp
Works with non-PosApp POS
Yes — 10 connectors + CSV
No (PosApp 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
SMS-first / manual
Multi-branch identity unification
Yes (phone + Zalo + email)
Per-branch phone match
Operator reports
15 (CLV, RFM, cohort, funnel…)
Point balance + tier counts
Pricing
Free forever (paid tiers from small)
Bundled into PosApp 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
Will PEKO replace PosApp at the till?
No. PosApp keeps handling orders. PEKO runs alongside via CSV import or API, and owns the retention layer.
What does PEKO add over PosApp's bundled loyalty?
AI churn prediction, AI-written win-back, receipt OCR, ZNS-native messaging with 30+ pre-approved F&B templates, and 15 retention reports.
What if I outgrow PosApp and switch to iPOS or LOOP?
Your loyalty programme moves with you. PEKO connects to LOOP, KiotViet, iPOS, MISA, Sapo, Toast, Square, Loyverse, and Haravan too — the customer profiles stay intact.
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.
People also 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.
Sources & citations
These public sources support the competitor pricing, feature, and limitation claims in this comparison.
- PosApp — Official product materials
PosApp POS, customer, points, membership, 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 PosApp 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 PosApp 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.