How it works

1. You list your bills and connect your own PayPal or Square account.
2. Fans give toward a bill or any bill. The money goes straight into your account. Chip In never holds it.
3. Giving toward a bill is a label only. You are paid, not the biller, and you pay the bill yourself.
4. Before paying, the donor sees the payment fee, what Chip In keeps, and exactly what you get.
5. Chip In keeps only the optional tip and any share shown on the breakdown. There are no hidden fees.
6. A gift shows as confirmed only after PayPal or Square tells us the money arrived.
7. Gifts to individuals are not tax deductible, and gifts are not covered by purchase protection.
8. PayPal or Square may report gifts to the IRS on a 1099-K. Keep records of what you receive.