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Contact Us

  • Send us an email by providing your Chipin account and complaint information to

  • For the fastest service, call us at (312) 972-6608 (M–F, 10:00am–6:00pm CST)

Error Massage:

  • If you’re receiving an error message in the app that doesn’t include specific instructions, try these troubleshooting steps in order. They often resolve most issues: 

    1. Make sure you’re connected to the internet (Wi-Fi or data) and have enough storage/memory available on your device. If you are using a VPN, try turning it off to see if it resolves the issue.   

    2. Log out of your Chipin account and back in.  

    3. Delete the Chipin app and reinstall. (This does not affect your Chipin account. It also ensures you’re using the newest version of the app.)  

    4. Make sure your device OS is up to date.  


  • If you’ve tried the above troubleshooting but the issues persists, please Contact us on


400 / 403 errors  

  • Usually, these error messages indicate you’re trying to do something in the Chipin app that isn’t possible or isn’t allowed. 

  • If you’re trying to send a payment or bank transfer, make sure you haven’t reached your limits by visiting our articles on Pyament limits  and Bank Tansfer Limits(300/week for KYC Lite user.) 

  • If you’re trying to log into your Chipin account, make sure you’re choosing “Sign In” instead of “Sign Up.” Remember that you can only log into Chipin from the U.S.  




“Bad state” errors  

  • This error message means Chipin is or was experiencing technical issues. If you tried to make a payment or bank transfer, check your transaction history in the app to determine if it was successful. If it failed, please try again later. 



Common Scams:

We want your experience on Chipin to be as fun and effortless as possible. Here’s some information to help you avoid common scams. Remember: Outside of paying authorized merchants, Chipin is designed for payments between friends and people who trust each other.

In short: 

  1. Be careful. Don’t use Chipin to join a pyramid, cash wheel, money circle or other get rich quick scams 

  2. Don’t use Chipin to sell anything to strangers

  3. Don’t use Chipin to buy anything from anyone you don’t know and trust


Scams offering to increase your money

  • A scammer might ask you to send them a small amount of money in order to receive a large amount in return. (For example: “Send me $100, and in a week you’ll get $1,000”)

  • This might be a stranger, but it also might be someone you know

  • This type of scam goes by a few different names: money circle, cash wheel, pyramid scheme

  • The scammer collects your money but never pays you back

How to avoid this scam: Know whom you’re dealing with. If it seems too good to be true, it probably is.

Scams when you’re selling something to a stranger

  • If you’re trying to sell something using Chipin, a scammer may ask to provide the item or service without actually paying you legitimate funds

  • A scammer may send screenshots of fake emails that make it seem like they’ve paid you on Chipin when they haven’t actually made a payment

  • Another common tactic is telling you they’ve sent you a payment that will only reach your Chipin account when you ship the item and upload the shipping information. But this is fake, and it’s not a feature Chipin provides

  • A scammer may pay you using stolen credit cards or bank information. If the actual owner of the payment method reports unauthorized activity, the money could be removed from your Chipin account

How to avoid this scam: Don’t use Chipin to sell anything to strangers. If someone has paid you on Chipin, you should see the funds available in your Chipin account without any delay. But remember, payments made from stolen payment methods could be removed from your Chipin account even after they’ve been made available to you.

Scams when you’re buying something from a stranger

  • If you’re trying to buy something using Chipin, a scammer may try and persuade you to pay them first (the full or partial amount) and then not provide what they promised you

  • This is especially common with items that are rare, popular, and hard to find (like gaming consoles, shoes, concert tickets, mobile devices, and more)

  • A scammer may give you fake shipping information or screenshots to convince you they’ve sent the item when they actually haven’t

How to avoid this scam: Don’t use Chipin to buy anything from anyone you don’t know and trust.

Scams when someone pretends to be your friend and requests money 

  • A scammer may change their username and profile picture to impersonate someone you may know personally. 

  • Using information visible in the public feed, the scammer will request money from individuals who have transacted with your friend in the past. 

  • The request will seem unusual and indicate a time-sensitive issue 

How to avoid this scam: If you get an unusual request for money from someone who looks like a friend, it’s worth double-checking that the request is actually from your friend and not from an imposter. These imposters may steal a profile picture to impersonate your friend on Chipin. You can tap on their profile to confirm their public transaction history and network information. When in doubt, you can reach out to your friend outside of Chipin to verify that the request is legitimate.  

Examples of other situations that could potentially be scams

  • New online employer/job offer wants you to send money on Chipin to pay for supplies or onboarding expenses

  • New landlord wants you to pay a rent deposit for a property without them providing appropriate paperwork, keys, etc.



I’ve confirmed these payments were unauthorized - help! 

If you confirm the payments were not authorized by you or someone with permission to use your card, it's likely someone has gained unauthorized access to your personal and/or financial information. Unfortunately, there is no way for Chipin to determine how your account information was breached, but here are some steps we recommend taking as soon as you can:

  • Update your online banking and financial services passwords

  • Contact your bank/card company

    • File a dispute

    • Request a new bank account number or card number 

Once you let your bank or card company know the charges were unauthorized, they should be able to walk you through the dispute process. They are your best point of contact in this situation. They will reimburse you for your loss and will file a claim with Chipin separately for that amount.

Working with your bank or card company is the only way to ensure that your information is secured. Fraudsters often buy and sell personal information, so it's likely your personal account numbers are still available for others to use outside of Chipin  

Can Chipin refund me if I don’t want to contact my bank or card issuer? 

In these cases, we ask that you work directly with your bank to receive reimbursement for any unauthorized payments. Unfortunately, Chipin cannot take direct action on any Chipin account other than your own. 

FAQ & Common Error

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