Lunch money should buy lunch, not tax.
Cash disappears
Paid into salary, spent on everything but lunch and taxed as income along the way.
Vouchers are a chore
Printing, distributing and reconciling paper costs HR days a month, and they get resold.
Finance flies blind
No record of where the benefit went, so no way to defend the spend or improve it.
With Chawpass, the whole allowance reaches the plate.
Because the wallet can only be spent on food, the allowance qualifies as a benefit in kind rather than taxable cash and every naira is traceable, so your treatment stands up to review.
Illustrative. Your tax adviser confirms treatment for your organisation.
The rule lives in the payment infrastructure, not the handbook.
Every tap is checked against our food merchant network before it's approved. No policing, no receipts to chase.
Join waitlistTwo journeys, one network.
Set up your programme
One KYB check, then your whole team is covered
Upload the roster
CSV or HRMS sync. One KYB check for the company, none per employee.
Fund once
A single transfer funds every wallet. Set amounts per team, band or location.
Cards delivered
Physical Chawpass cards are produced and delivered to each location, ready to activate.
Reconcile
Export spend and utilisation reports built for Nigerian payroll and tax.
Get your own card
No employer needed fund it yourself or receive gifts
Sign up
Phone number, BVN or NIN. Two minutes on the app or over USSD.
Request your card
Order a physical Chawpass card and collect it, or have it delivered.
Add money
Bank transfer, debit card, an agent near you, or a food gift from family.
Eat anywhere we are
Tap at supermarkets, bukas, bakeries and market stalls across Nigeria.
Four sides of the table
Everyone at the tablegets their own door
EmployersAdaeze Okonkwo
Head of People
Funding lunch for 340 people used to take two days a month. Now it is one transfer and a report I can hand to audit.
Employer portal
IndividualsChidi Nwankwo
Product Designer
My allowance lands on the 1st and I know exactly what is left. No more asking HR about lunch money.
Get the app
MerchantsIbrahim Sule
Food Vendor, Yaba Market
I do not have a POS. The QR on my stall brings Chawpass customers every afternoon and my money the next day.
Enrol your business
PartnersKelechi Ajayi
Distribution Partner, Abuja
Referral codes track straight through to commission statements. No spreadsheets, no chasing anyone.
Apply to partner
Better food access. Real traceability. Stronger relationships.
Food access, guaranteed
The wallet is built for food, so the benefit reaches the plate it was meant for.
Traceable, end to end
Every naira is visible in real time for employees, employers and merchants alike.
Reaches the informal economy
USSD and agent cash-in bring traders and unbanked users into the same wallet.
Bank-grade foundations
Ledger, BIN and float custody sit with a licensed Nigerian sponsor bank.
Integrates with your HRMS
Roster sync with the payroll systems Nigerian employers already run.
Priced to scale
Published per-employee tiers for standard teams, custom pricing for groups.
The wallet in your pocket.
Check the balance, freeze the card, find somewhere to eat nearby, send a food gift home. iOS, Android or USSD if there's no smartphone in the house.
Customer stories
Join over 50K people who chow from our help
“Funding lunch for 340 people used to take two days of my month. Now it's one transfer and a report I can hand to audit.”
Adaeze O.
Head of People, tech scale-up
“I don't have a POS. The QR code on my stall means Chawpass customers every afternoon, and my money the next day.”
Ibrahim S.
Food vendor, Yaba Market
“Referral codes track straight through to commission statements. No spreadsheets, no chasing anyone for numbers.”
Kelechi A.
Distribution partner, Abuja
Employers · b2b · Merchants · Partners
Eat . Pay . Enjoy
Fund a food allowance that reaches the plate, accept Chawpass at your outlet, or come and build this with us.