Compare · Vietnam
Refreshed 08/11/2026PEKO vs Sapo Loyalty
Written by PEKO Team.Last updated: 08/11/2026.
Published: 05/24/2026
Updated August 2026 — Sapo Loyalty is the points-and-tier module inside Sapo POS / Sapo Omni. PEKO is the POS-agnostic AI loyalty layer that sits on top of Sapo (and 9 other POSes) with AI churn prediction, ZNS at scale, and 15 retention reports.
Sapo POS / Sapo Omni is widely used by Vietnamese F&B and retail, and its built-in loyalty module covers stamps, tiers, and basic SMS. PEKO is the AI-native loyalty layer designed to run on top of Sapo — or alongside Sapo plus other POSes — without replacing it.
- Sapo Loyalty is locked to Sapo; PEKO works with Sapo plus 9 other POSes via native connectors.
- PEKO predicts churn 3 days ahead and writes the win-back; Sapo's module doesn't.
- PEKO unifies a guest across branches and POS brands; Sapo Loyalty sees only Sapo transactions.
What is Sapo Loyalty? The loyalty module bundled with Sapo POS / Sapo Omni — points, member tiers, basic email/SMS for Sapo-only venues.
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 churn risk daily and auto-fire win-backs.
- You run F&B specifically (Sapo's loyalty was built generic across retail + F&B).
- You need Zalo OA + ZNS as a first-class channel.
- You have multiple branches or any non-Sapo POS in the mix.
- 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 Sapo Loyalty when
- Sapo is your only system across every branch and every category — sunk cost is a real reason; PEKO adds a layer beside what you own instead of replacing it, so you can run both for a season before deciding.
- You only need basic points and tier badges — 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 do not need AI prediction or Zalo automation — then a simple stamp card is the honest answer; PEKO only pays for itself once you want lapsing guests found and messaged without someone doing it by hand.
Feature by feature
| Feature | PEKO | Sapo Loyalty |
|---|---|---|
| Product type | POS-agnostic AI loyalty layer | Loyalty module bundled with Sapo POS |
| F&B specialisation | F&B + services native | Generic across retail + F&B |
| Works with non-Sapo POS | Yes — 10 connectors + CSV | No (Sapo 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 | Add-on / manual |
| Multi-branch identity unification | Yes (phone + Zalo + email) | Per-branch phone match |
| Operator reports | 15 (CLV, RFM, cohort, funnel…) | Point balance + tier counts |
| Setup time | 10–15 minutes | Bundled with Sapo onboarding |
| Pricing | Free forever (paid tiers from small) | Bundled into Sapo POS 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 Sapo POS
F&B specialisation
F&B + services native
Generic across retail + F&B
Works with non-Sapo POS
Yes — 10 connectors + CSV
No (Sapo 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
Add-on / manual
Multi-branch identity unification
Yes (phone + Zalo + email)
Per-branch phone match
Operator reports
15 (CLV, RFM, cohort, funnel…)
Point balance + tier counts
Setup time
10–15 minutes
Bundled with Sapo onboarding
Pricing
Free forever (paid tiers from small)
Bundled into Sapo POS 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
Do I have to leave Sapo to use PEKO?
No. PEKO connects to Sapo POS / Sapo Omni via the Sapo connector and runs alongside it. Cashier flow stays in Sapo.
Why not just turn on Sapo's loyalty module?
If basic stamps and a tier badge are all you need, Sapo's module is fine. PEKO is what you add when retention becomes a margin lever — AI churn prediction, AI-written messaging, identity unification, ZNS at scale, and 15 reports the bundled module doesn't ship.
Will my Sapo customer list import?
Yes — PEKO imports your Sapo customer list and recent transactions via the connector or CSV. Points balances and tier mappings are preserved.
What about Sapo's existing ZNS or SMS templates?
PEKO keeps your approved templates and adds 30+ pre-approved F&B templates so you don't have to wait on new submissions.
Can PEKO see in-store + online Sapo orders together?
Yes. The Sapo connector pulls both POS and Sapo Omni online orders, so a guest who orders in-store on Tuesday and online on Friday is one profile.
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.
- Sapo FnB — Official product materials
Built-in customer, loyalty, restaurant POS, and package 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 Sapo 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 Sapo 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.