Compare · United States, Australia, UK
Refreshed 07/27/2026PEKO vs Square Loyalty
Written by PEKO Team.Last updated: 07/27/2026.
Published: 05/01/2026
Square Loyalty is the simplest option if you already use Square POS and only need basic visit-based rewards. PEKO is the right move if you want AI predicting churn, automated win-back across Zalo, email, and SMS, and POS flexibility.
What is Square Loyalty? Square's built-in loyalty add-on, popular with cafés and small US/AU/UK retailers using Square POS.
Choose PEKO when
- You want AI segmentation and churn prediction, not just visit-count rewards.
- You need automated multi-channel win-back campaigns out of the box.
- You operate in Vietnam or SEA, where Square has no presence.
- You run more than one POS and need a unified loyalty layer.
- 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 Square Loyalty when
- You run a single Square-only café in the US/AU/UK and want loyalty in the same dashboard as your POS.
- Your team has zero bandwidth to set up anything outside Square.
Feature by feature
| Feature | PEKO | Square Loyalty |
|---|---|---|
| AI churn prediction | Built-in | No |
| Automated win-back | Zalo + email + SMS | Email only, manual |
| POS support | Multiple (Square, Toast, KiotViet, LOOP, iPOS) | Square only |
| Markets | Global, Vietnam-first | US/AU/UK/CA/JP |
| Direct ordering commission | 0% | Varies by Square plan |
| Setup time | 15 minutes | Built into Square onboarding |
| 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 |
AI churn prediction
Built-in
No
Automated win-back
Zalo + email + SMS
Email only, manual
POS support
Multiple (Square, Toast, KiotViet, LOOP, iPOS)
Square only
Markets
Global, Vietnam-first
US/AU/UK/CA/JP
Direct ordering commission
0%
Varies by Square plan
Setup time
15 minutes
Built into Square onboarding
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
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
Does PEKO replace Square Loyalty?
For most operators with growth ambitions, yes. PEKO adds the AI churn prediction and automated win-back that Square Loyalty doesn't, while still working alongside Square POS data.
Can PEKO connect to Square POS?
Yes. PEKO ingests transaction data from Square (and other POS systems) so the AI can run churn analysis and trigger campaigns.
Is PEKO available outside the US?
Yes. PEKO is built for Vietnam and Southeast Asia first, and supports 10 languages.
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.
- Square Loyalty — Official product materials
Square Loyalty features, enrolment model, and published pricing.
- 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 Square 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 07/27/2026. 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 Square 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.