How is Chip different from Uber Eats and DoorDash?

Incumbents take 15–30% from kitchens and stack fees on diners. Chip takes 3% of the food — on par with a card swipe. The kitchen keeps the plate. Drivers keep the tip and the run.

Chip takes a 3% match on the food — the same scale as Visa or Mastercard. That is the only protocol take. You get 1% back after dinner when the cell can pay.

Where does Chip deliver?

Chip is opening New York first. Same math in every city after.

Chip

Why we’re different

3%. Like a swipe.

Chip takes 3% to match a kitchen, a driver, and a neighbor. Card processing varies and is separate. A match, not a claim on the meal.

Claim your handle

NYC prelaunch. Ordering isn’t live yet.

Why 3%.

Kitchens already pay to accept cards. Those costs vary by processor, card, and transaction — Visa and Mastercard do not set one universal merchant price. Moving money and matching dinner are different jobs. Chip’s separate match is 3% of the plate. We are refusing a cut of the kitchen’s food price.

Visa
Processing varies
Card acceptance costs depend on your processor and transaction.
Mastercard
Processing varies
A payment network, not a single merchant processing price.
Chip
3% of the plate
The match. Not a cut of the pass.

1% was a slogan. The design is 3%: 1% runs Chip, 1% is shared by attributable scouts, and 1% is for the diner under program rules.
3% is honest. On a $40 plate that’s $1.20 — split $0.40 / $0.40 / $0.40. Allocation example, not a checkout total.
Marketplace charges depend on the plan and order. Our line is separate: the match does not come out of the kitchen’s food price.
Delivery and card costs are separate from the 3%. Card processing is not Chip padding the match, and “like a swipe” is not a processing-rate quote.

Everyone still wins.

The design: three percent of the plate. Kitchen keeps the food. Driver keeps tip + run. The diner’s 1% allocation follows program rules, not a cut from the kitchen. Ordering, runs, credits and payouts aren’t live yet.

Kitchen
100% of the food price. The match is a separate line.
Driver
Tip + run belong to the driver. Driver intake and payouts are not open.
Diner
1% allocated for the diner under program rules. Not taken from the kitchen. Not available credit today.

A $40 plate. Two receipts.

Illustrative receipts, not checkout quotes or measured savings. Both start with a $40 plate, an assumed $8 run and a $6 tip. Tax and card costs are excluded from both; marketplace extras vary.

Marketplace example

Food at the counter$40
Menu markupVaries
Service feeVaries
Delivery — assumed for example$8
Tax + card costsExcluded
Tip$6

Before tax + card$54 + extras

Extras depend on the merchant, plan and order. This is not a DoorDash or Uber Eats price quote, or a claim about how they handle tips.

Chip

Food — kitchen keeps it$40
Driver run — assumed for example$8
Tip — 100% to the driver$6
Match — 3%, like a swipe$1.20

Before tax + card$55.20

Potential allocation · not deducted$0.40

Kitchen whole. Tip + run to the driver. The illustrated $0.40 diner allocation follows program rules — separate from today’s charge, not a discount or available payout. NYC prelaunch.

They wrote it down.

Filings and field notes. Source links retained from the original; not independently verified.

GOV
Revenue and marketplace order value are different measures. Merchant charges contribute to revenue; adding them again would double-count them.
DoorDash FY2025 earnings
3¢
is Chip’s match on each dollar of the plate. Not the card processing price. A thin match, not a claim on the meal.
Chip protocol
Costs
Contribution profit is a company financial measure, not a driver’s pay or a second fee on an order. Read the filing for definitions and context.
DoorDash FY2025 earnings
Pay
Driver earnings need context: tips, expenses, hours and location. A gross payout is not take-home pay. The linked field notes are not a universal wage estimate.
Gridwise, 2025 Dasher data

Chip’s position
The people carrying dinner are not a line to squeeze.
Further reading: Uber, 2025 Form 10-K, Risk Factors — SEC

Read the definitions before comparing a take. Bookings, revenue and driver earnings are not interchangeable. The links are here so the argument can be checked, not to dress an unchecked number as fact.

Sauce

The street already knew.

27 field notes. Six on the table.

Chip summaries and archived text, labeled on each card. Sources have not been rechecked; these are not verified quotations or representative rates.

Chip editorial summary · unverified
A chef’s complaint: delivery-app charges leave too little room for the kitchen.
Chef
@RickyTanner16
Chip editorial summary · unverified
A driver’s account of a long run and a disappointing offer.
Dasher
@CookiieMonstrr
Chip editorial summary · unverified
A diner pulls apart a receipt: menu price, service charge, delivery, tax, then tip.
Diner receipt, pulled apart
@Viora_Tech_Ai
Chip editorial summary · unverified
Restaurant owners discuss charges on both sides of the order.
r/restaurateur
r/restaurateur
Chip editorial summary · unverified
A driver’s delivery log asks what is left after miles, fuel and wear on the car.
Drops, logged
@HighPlainsWY
Chip editorial summary · unverified
A regular describes the note in the bag: order direct next time.
Regular, once a month
@worm_emoji

Kitchens

Drivers

Diners

Good vibes only. No bad chips.

Trust is the product. You already did the work. That experience should matter — without pretending a handle claim verifies it.

Your experience matters
Ratings do not transfer here today. Claiming a name is not driver verification or approval.
Clean drops first
Trust needs verification, not a fast-payout promise. Runs and payouts are not live yet.
No hoard
3% match, like a swipe. 1% shared by attributable scouts. 1% diner cashback under program rules. 1% runs Chip.

The design shares an attributable allocation among verified scouts; claiming a handle does not earn it. The take stays at three percent. If someone tries to make Chip into them, the people who carry dinner leave.