🇸🇬 PayNow cashback rewards for Singapore F&B · paynow loyalty
PayNow loyalty: cashback the way Singaporeans already pay
Stop printing vouchers nobody redeems. PEKO issues PayNow cashback directly to a customer's mobile-linked PayNow ID — the AI decides who gets what, when, and how much. PDPA-compliant, sits on top of your existing POS, S$449/year flat.
Singapore moved past paper vouchers years ago. PayNow is the rail every adult already uses; the only question is who you reward and how much. PEKO answers both with AI: per-customer churn score drives per-customer cashback size, sent the moment the math says it pays back.
Why PEKO for Singapore
Cashback in the wallet they actually use
Direct to PayNow ID — instant, no code typing, no friction. Redemption rates hit 80%+ vs 12% on traditional voucher SMS.
AI sizes every reward
S$2 to the new face who came twice; S$15 to the regular who hasn't shown up in 14 days. The AI does the math — you fund the pool.
PDPA consent flow built in
Opt-in at first reward, opt-out one tap, full audit log. Templates pre-approved for WhatsApp Business.
Works on any POS
Oddle, Eats365, StoreHub, Square — pull order data via CSV or API. No migration, no replatform.
Per-outlet wallet
Each outlet funds its own cashback pool. Top up by PayNow corporate, see balance + ROI in real time.
How it works
- Step 1
Connect POS + fund the pool
30-day CSV import; top up your cashback pool by PayNow corporate. Live in an afternoon.
- Step 2
AI scores + sizes
Every customer gets a churn score and a recommended cashback. You set the pool ceiling — AI never overspends.
- Step 3
Send on the right day
AI picks the send hour. Customer gets a WhatsApp with a tap-to-claim. PayNow credited within seconds.
Frequently asked questions
How is cashback funded?
You top up a per-outlet PayNow pool by corporate PayNow transfer. PEKO never holds your money — funds sit in your operating account until released to a customer's PayNow.
What if a customer doesn't have PayNow?
Edge case in Singapore — under 5% of F&B-active adults. PEKO falls back to a digital voucher with a redemption code.
Is the cashback taxable?
Cashback issued as a marketing reward is treated as a discount under IRAS guidance for most F&B businesses. Confirm with your tax advisor.
How does this compare to a points programme?
Points need a redemption catalog and an app. Cashback needs a phone number. Singapore F&B sees 6–8x higher engagement on cashback.
How much does it cost?
PEKO is S$449/year (Standard) to S$1,499/year (Pro Max). Cashback itself is yours to size — typical SG kopitiam spends S$200–800/month on the pool.
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Live in an afternoon
Connect your POS — AI retention runs on top. Free trial, no credit card.
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