Chipn
English
Scan. Split fairly. Settled.
Chipn is a fair bill splitting app for the restaurant, the bar, or the day a colleague paid for the lunch order at work. Scan the receipt, tick off who had what, and everyone pays exactly what they had themselves, with a single scan of a QR code in their banking app. Nobody chips in for someone else's steak or second bottle of wine. No maths, no payment requests afterwards, and not a single byte of your data ever leaves your phone.
- Android and iPhone
- No account
- Your receipt is read on your phone
- Works with your banking app
Coming soon to the App Store and Google Play, now in closed beta
How to split the bill
From paper receipt to settled, in three steps at the table.
Scan the receipt
Take a photo of the bill. The receipt scanner reads out the products and amounts, entirely on your device, no internet needed.
Tick off who had what
Tap who ordered each item. Shared something? Chipn works out everyone's share, fair to the cent.
Everyone pays their share
Each person gets their own QR code with their exact amount. Scan it with a banking app, done, the money lands straight in your account. No payment request needed.
What Chipn does
Smart receipt scanner
Reads products, amounts, VAT and totals from the receipt, in four languages. Long bill? Scan it in parts.
Fair to the cent
Everyone pays exactly what they had, and nothing of what someone else ate or drank. Shared items are split equally among those who had some, to the cent. No averaging across the table.
Pay with one scan
A QR code per person using the European banking standard (EPC, a SEPA transfer). Banking apps across Belgium, Germany, Austria and the Netherlands scan it natively. Straight to your account.
Choose together at the table
Open up the table and companions tick off their own items on their own phone, over bluetooth, no internet.
Overview in the group chat
Share who-pays-what as a message, with your transfer details for whoever pays from home.
Four languages
Dutch, French, English and German. The app follows your device, or you pick.
Frequently asked questions
Is Chipn free?
Yes. During the beta everything is free. After that Chipn stays free to use, with a one-off Pro version for €3.99 for those who want more. No subscription.
How is Chipn different from Tricount or Splitwise?
Tricount and Splitwise are built to keep track of who paid for what over a longer stretch, on a trip, in a shared house or within a group of friends, and to settle up at the end. Chipn is built for that one bill at the restaurant: you scan the receipt, tick off who had what, item by item, and everyone pays their exact share straight away with a QR code in their banking app. The others don't need the app, and there is no account to create. So they don't get in each other's way: Tricount or Splitwise for the trip, Chipn at the table. See the comparison.
Does Chipn work with Bancontact or Payconiq?
Chipn creates a European bank QR code (EPC) per person, the same kind you find on many invoices. You scan it with your banking app and the transfer is filled in, ready to confirm. So it is a regular bank transfer, not a Bancontact or Payconiq payment, and it works across Europe.
Does everyone at the table need the app?
No. Only the person who pays the bill needs Chipn. Everyone else scans a QR code with their banking app. Those who do have the app can tick off their own items at the table.
Does Chipn work on Android and iPhone?
Yes, on both. Even at a table with iPhones and Android phones mixed, companions who have Chipn can tick off what they had together over Bluetooth.
Do I need to create an account?
No. There is no account and no login. Your name and bank account are stored only on your own phone, the bank account encrypted.
Where does my data go?
Nowhere. It stays on your phone. Chipn makes no internet connection at all: the receipt is read on your device and your IBAN is stored encrypted on your device. There is no server and no account. Read the privacy policy.
What about the tip?
In Belgium service is already included in the price, so a tip is a little extra. If you want to leave one, pick a percentage or a fixed amount in Chipn, and split it in proportion to what everyone had, or equally.
How do I split a shared bottle of wine?
Tick everyone who drank from it. Chipn splits the amount equally among them, and whoever didn't drink pays nothing towards it.
Which receipts can Chipn read?
Receipts from restaurants, bars, chip shops and sandwich bars, in Dutch, French, English and German, and also Italian, Spanish and Portuguese receipts. Long bill? Scan it in parts. Try it with the example receipts.
Try the receipt scanner with these receipts
No receipt at hand? Open one on your screen and scan it with a second device, or print it. Each receipt comes from a different kind of place, in a different till font, so you can see how the scanner copes. The businesses, addresses and VAT numbers are made up.
Sandwich bar
Five sandwiches, water and a coffee. The simplest one to start with.
Chip shop
Three portions of fries, five snacks and a sauce, with change at the bottom.
Restaurant, three of you
A drink and a main each, with a bottle of water to share.
Restaurant, six of you
Cocktails, starter, main, wine, dessert and coffee, 22 lines, the real test.
Nothing leaves your device. Nothing.
Chipn makes no internet connection at all. No server, no account, no tracking, no ads. Your receipt is read on your own phone, your IBAN is stored encrypted on your own device, and payments go directly from bank to bank. That is not just a promise, it is technically verifiable: the app contains no network calls whatsoever.
Read the full privacy policyFind out more
Test it before everyone else
Chipn is in closed beta. Want to test on iPhone (via TestFlight) or Android? Leave your details, tell us briefly why you'd like to join, and you'll receive a personal invitation.
Thanks! Your sign-up is in. Once you're in, you'll get an email explaining how to install Chipn.
Sending didn’t work. Please try again later, or just email [email protected].
Your name and email go to the maker's own server and are only used to invite you. Prefer plain email? That works too: [email protected]