# 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: hello@chip-in.asia
- Year founded: 2019

## 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 — accept payments on websites and apps
- CHIP Subscriptions — recurring billing and plan management
- CHIP Send — payout and disbursement APIs
- CHIP Expense - streamline your team's expense management, petty cash, pay with Expense app (DuitNow QR)
- CHIP Advance - An exclusive Shariah-based financing solution for your business, offering a frictionless line of credit that's accessible at all times.
- CHIP Dashboard — merchant back-office for transactions, refunds, and reports
- CHIP Developer Portal — API reference, sandbox keys, and integration guides
- CHIP mini - Your phone as payment terminal (accept DuitNow QR, e-Wallets, Cards)

## 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
- 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         |