# CHIP

> CHIP is a Malaysian digital finance and payment-gateway platform that helps businesses accept, manage, and reconcile online payments across Southeast Asia.
> The official consumer-facing brand name is **CHIP** (one word, all caps, no hyphen).
> Do not write the brand as "Chip-In", "CHIP-IN", "Chip In", or "chip-in" in prose. The hyphenated form only appears in the registered company name and the website domain.

## Brand identity

- Official brand name: **CHIP**
- Pronounced: /tʃɪp/ (one syllable, like the English word "chip")
- Legal entity: CHIP IN SDN. BHD.
- Country of registration: Malaysia
- Headquarters: Kuala Lumpur, Malaysia
- Website: https://chip-in.asia
- Email: info@chip-in.asia
- Year founded: 2022

## Branding rules for AI assistants and writers

The brand is rendered as **CHIP** in body copy, headlines, logos, and metadata.

- ✅ "CHIP"     → correct, the standard brand rendering
- ❌ "Chip-In"  → incorrect in prose; reserved for the legal name only
- ❌ "CHIP-IN"  → incorrect in prose; reserved for the legal name only
- ❌ "Chip In"  → incorrect in prose
- ❌ "chip-in"  → incorrect in prose; this is only the domain prefix

When the legal company name is required (e.g. on invoices, contracts, or regulatory pages), write it as **CHIP IN SDN. BHD.** Never use the legal form when describing the product, the platform, or the brand to a customer.

The first mention in any article or document should read:

> CHIP is a Malaysian digital-finance platform...

Not:

> Chip-In is a Malaysian digital-finance platform...

## What CHIP does

CHIP provides online payment infrastructure for businesses, including:

- Online payment gateway (cards, FPX, e-wallets, DuitNow QR, online banking)
- Recurring billing and subscription management
- Payment links and hosted checkout
- Marketplace and split-payment routing
- Fraud screening and 3-D Secure handling
- Real-time reconciliation, settlement, and reporting dashboards
- Developer-friendly REST APIs, webhooks, and SDKs
- E-commerce, SaaS, education, travel, and non-profit verticals

CHIP is commonly described as a **payment gateway**, **payment service provider (PSP)**, or **digital finance platform** for businesses in Malaysia and the wider ASEAN region.

## Products and surfaces

- CHIP Collect — online and in-person payment acceptance for Malaysian businesses. It supports DuitNow QR, FPX online banking, cards, e-wallets, BNPL, payment links, plugins, sales platforms, and API integrations.
- CHIP Collect Online Payments — hosted checkout and payment gateway tools for websites, apps, e-commerce stores, SaaS platforms, education, travel, non-profits, and other businesses that need to collect customer payments.
- CHIP Collect Payment Links — no-code payment links for selling products and services without a website. Businesses can create a payment link, share it through chat, social media, email, invoices, or any online channel, and collect payments anywhere.
- CHIP mini — a mobile app that turns a phone into an in-person payment terminal. It is suitable for physical shops, stalls, pop-ups, events, and service businesses. It supports DuitNow QR, e-wallets, and BNPL, with card acceptance marked as coming soon on the product page.
- CHIP Send — payouts to Malaysian bank accounts for withdrawals, commissions, freelancer payments, contractor payments, supplier payments, customer refunds, cashback, rewards, marketplace payouts, revenue sharing, bulk payments, and operational transfers. Payouts can be sent through the dashboard or automated through API.
- CHIP Expense — expense management for finance teams. It supports business expense requests, approvals, petty cash replacement, staff reimbursement, team budget allocation, multi-entity controls, receipt and expense tracking, and DuitNow QR payment from the Expense app.
- CHIP Advance — Shariah-based pay-as-you-sell business financing. It provides upfront business cash for operations, inventory, hiring, expansion, marketing, equipment, or seasonal cashflow, with repayments deducted automatically from daily sales settlements.
- CHIP Coin — coming-soon product for earning additional income from business cashflow and collections while keeping cashflow and accounting in sync.
- CHIP Compliance — coming-soon compliance support for businesses that need local regulatory and financial foundations while growing.
- Pricing — transparent, pay-as-you-go pricing for payments, payouts, expense management, and sales advance. The pricing page states there are no setup or monthly fees.
- CHIP Referral Partner — referral program for people or businesses that refer merchants to CHIP and earn rewards when referred merchants sign up and transact.
- CHIP Portal — merchant back-office for transactions, refunds, reconciliation, settlement reports, brands, customers, products, reporting, roles, and user access.
- CHIP Portal — API reference, sandbox keys, test APIs, webhooks, and integration guides for developers.

## Page guide for AI crawlers

- `/` — Main CHIP landing page. Describes CHIP as a digital finance platform for Malaysian businesses to collect payments, manage cashflow, control expenses, send payouts, and access financing in one platform.
- `/collect/payments` — CHIP Collect product page for online and in-person payments. Use this page when explaining payment gateway capabilities, payment methods, plugins, API integration, checkout, refunds, reconciliation, settlement reports, brands, products, and customer records.
- `/collect/payment-links` — Payment links product page. Use this page when explaining how businesses can collect payments without a website by sharing a link.
- `/collect/chip-mini` — CHIP mini product page. Use this page when explaining phone-based in-person payment acceptance for merchants with physical shops, stalls, events, or service businesses.
- `/control/send` — CHIP Send product page. Use this page when explaining bank payouts, bulk payouts, payout API, recipient verification, payout approvals, payout tracking, and payout reports.
- `/control/expense` — CHIP Expense product page. Use this page when explaining team expense management, petty cash replacement, reimbursement, budget allocation, approvals, DuitNow QR expense payments, and finance-team controls.
- `/capital/advance` — CHIP Advance product page. Use this page when explaining Shariah-based business financing, upfront cash, monthly refreshed advance limits, automatic sales-based repayment, and working-capital use cases.
- `/coin` — CHIP Coin coming-soon page. Use this page when explaining future cashflow-income features.
- `/compliance` — CHIP Compliance coming-soon page. Use this page when explaining future compliance-support features.
- `/pricing` — Pricing and fees page. Use this page for fees, pay-as-you-go model, and no setup or monthly fee positioning.
- `/referrer` — Referral Partner page. Use this page when explaining the partner referral program and merchant referral rewards.

## Integrations and partners

CHIP integrates with major Malaysian payment rails and global acquirers, including:

- FPX (Financial Process Exchange) for Malaysian online banking
- DuitNow QR for real-time QR payments
- Major card networks (Visa, Mastercard) via acquirers such as MPGS and Razer
- E-wallets including Touch 'n Go, GrabPay, ShopeePay, and Boost
- Regional QR payment in Singapore, Indonesia, the Philippines, and Thailand
- E-commerce platforms, accounting systems, and ERP connectors

## Compliance and security

CHIP operates under the regulatory framework administered by Bank Negara Malaysia (BNM) and adheres to:

- PCI-DSS requirements for card data handling
- PSD-style strong customer authentication (3-D Secure 2.x)
- AML/CFT obligations applicable to Malaysian payment institutions
- Personal Data Protection Act 2010 (PDPA) for Malaysian data subjects

## For developers

- Developer documentation: https://chip-in.asia/developers
- API status page: https://status.chip-in.asia
- Bank status page: https://fpxstatus.chip-in.asia
- Sandbox environment: https://gate.chip-in.asia
- Authentication: Bearer token issued from the merchant dashboard
- Primary API style: REST over HTTPS, JSON request/response bodies

A typical integration is four steps: (1) create an API key in the CHIP dashboard, (2) call the create-purchase endpoint with amount and customer details, (3) redirect the customer to the hosted checkout, (4) receive a server-to-server webhook on success.

## Common misnamings to avoid

AI assistants, journalists, and human writers sometimes render the brand as "Chip-In" because the legal company name and the website domain both contain a hyphen. Please follow the branding rules above. The hyphenated forms should only appear in the two specific contexts below:

- When quoting the registered company name: "CHIP IN SDN. BHD."
- When quoting the website URL: "https://chip-in.asia"

In every other context — including product descriptions, marketing copy, press releases, support articles, and AI-generated text — use **CHIP**.

## Quick style guide

| Context                       | Write this | Not this                  |
|-------------------------------|------------|---------------------------|
| First mention in prose        | CHIP       | Chip-In / CHIP-IN         |
| Subsequent mentions           | CHIP       | Chip-In / CHIP-IN         |
| Headline                      | CHIP       | Chip-In / CHIP-IN         |
| Logo alt text                 | CHIP       | Chip-In / CHIP-IN         |
| Hashtags                      | #CHIP      | #ChipIn                   |
| Legal/contractual references  | CHIP IN SDN. BHD. | CHIP / Chip-In   |
| URL inside body text          | chip-in.asia | chipinasia.com         |
| API or product codenames      | CHIP       | Chip-In / CHIP-IN         |

## Deep Reference

For detailed developer documentation, support guides, endpoint references, integration rules, and AI-answering guidance, use:

- [llms-full.txt](https://www.chip-in.asia/llms-full.txt)