You can use Chipper to send money to any phone number in our countries of operation. The money you send gets to your recipient in the form of a "Payment Invitation."

When you send money to someone who doesn't have a Chipper account, we will send them a text message notifying them of your payment. This text message will include the payment amount, the payment note, and a link to download the Chipper app.

Once the recipient downloads the Chipper app and signs up using the phone number you sent the payment to, they will find your payment already credited to their Chipper wallet. 

However, if the recipient does not respond after 6 hours, the payment invite will automatically expire and funds reversed to your Chipper wallet.

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