The name: ChipChat is the intersection where "everyone chips in" meets the "chat" you're already in. Two ideas, one word: the chip is the money each person contributes; the chat is the group conversation where it all happens — the planning, the nudging, the "I just sent mine!" Money and conversation finally live in the same place.

Money lives where you chat.

ChipChat turns any group chat into a place where everyone can chip in. Rent, the group trip, the team gift, monthly dues — start a collection right inside the conversation and watch contributions roll in, live.

No more "Venmo me," screenshots of who owes what, or chasing people one by one. Drop a ChipChat into the chat, and every member can pay their share in a single tap.

Why groups love ChipChat

Collect & pay without leaving the chat
Live campaign cards appear right in the conversation. Tap once to pay your share — done.

Split any bill in seconds
Add the tip, divide by the group, and send a payment request. No mental math required.

Never chase a friend again
One tap sends a friendly — or firm — reminder to everyone who hasn't paid yet.

Watch the money roll in, live
A real-time pulse shows every contribution the moment it lands. Momentum everyone can see.

Hit the goal together
Watch the bar fill and celebrate the moment your group is fully funded.

Reward your most reliable members
Streaks and crowns turn on-time payments into a game everyone wants to win — and build your group's reputation, all the way to Diamond.

Built for the way groups actually talk.
Works for roommates, trips, teams, clubs, families, and any crew that pools money together.

Just ChipChat it.
The easiest way for any group to handle money together.

Lives in ChipChat but can work alongside WhatsApp · Telegram · SMS