Answers / Loyalty programs
How much does a loyalty program cost for a restaurant?
Written by PEKO Team.Last updated: 21/05/2026.
Software ranges from free (with limits) to $50–$300/month per location. The bigger cost is the discount margin given away — typically 5–10% of redeemed spend. A well-designed program with AI win-back pays back within 60 days.
Published: 01/05/2026
Three cost lines matter: (1) software/SaaS, (2) reward cost (the margin you give back to redeemers), (3) setup + ongoing operator time. Most operators only count the first and get a nasty surprise from the second.
Typical 2026 ranges per location: free–$50/mo for basic stamp apps, $50–$150/mo for SMB CRM/loyalty SaaS (Loyverse, Square, Toast tier), $150–$300/mo for AI-driven retention platforms with predictive win-back. In Vietnam, expect 500K–2M VND/mo for the equivalent serious tier.
Reward cost runs 5–10% of redeemed spend. Programs that use small free items (free coffee, free side) instead of percentage discounts protect margin better while feeling more generous to the customer.
FAQ
What's the cheapest way to start?
Most platforms (PEKO included) offer a free tier capped on customers or messages. Start there, prove the unit economics on one location, then upgrade.
When does it pay back?
60–90 days for AI-driven programs that include predictive win-back; 4–6 months for points-only programs.
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