Chipax
Chipax is a Chilean fintech founded in 2015 that provides a cloud-based financial automation platform for Chilean SMEs, automatically loading and reconciling data from banks, the SII tax authority, and payment gateways to deliver real-time cash flow, reconciliation, and reporting.
- Company typePrivate
- Founded2015
- HeadquartersSantiago, Chile
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Chipax does
Chipax is a Chilean fintech founded in 2015 that operates a cloud-based financial automation SaaS platform targeting small and medium-sized enterprises (Pymes) in Chile. The platform automatically loads and reconciles financial data from the Chilean tax authority (SII), local banks (BCI, Santander), payment gateways (Transbank, GetNet, Mercado Pago), HR systems (Talana, Buk, Previred), and POS platforms (Bsale), generating reports on cash flow, operational results, accounts receivable, and accounts payable. Core technology is an API-first architecture with an automated reconciliation engine, ML-driven transaction matching, and an autopilot reconciliation mode.
The company sells via a tiered subscription model: a free plan, Emprende (UF 24/year), Crece (UF 36/year), and Escala (UF 48/year), with add-on modules for automatic invoice classification (UF 6/year) and supplier payments (Chipay). Go-to-market is product-led and self-serve, with a 14-day free trial, no implementation costs, and free training, supported by content marketing (blog, YouTube, Instagram, LinkedIn) and demo scheduling for guided onboarding. Chipax serves 1,800+ active businesses across consulting, retail, food manufacturing, architecture, recycling, nonprofit, and mid-market segments such as Algramo and NatCrackers. Revenue is concentrated entirely in Chile, with no disclosed geographic expansion or revenue figures.
The business is privately held, bootstrapped or minimally VC-financed (approximately $875K disclosed across 2019-2021), with a leadership team of four co-founders (Antonio Correa as CEO, Francois Gueneau de Mussy as CTO, Felipe Urzua as CRO, and Joaquín Brenner Léniz as COO) and a headcount of 11-50 employees headquartered in Santiago, Chile.
Chipax firmographics
Firmographics- Name
- Chipax
- Legal name
- Chipax SpA
- Website
- https://chipax.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Chipax is a Chilean fintech founded in 2015 that provides a cloud-based financial automation platform for Chilean SMEs, automatically loading and reconciling data from banks, the SII tax authority, and payment gateways to deliver real-time cash flow, reconciliation, and reporting.
- Ownership category
- akta.pro rank
Chipax industry classification
Industry- Product category
- SMB Accounting & Financial Automation Software
- NAICS
- Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)
- akta.pro primary industry
- Dispute, Chargeback & Refund Automation (FSAGABAI)
- akta.pro secondary industry
- Net Worth & Personal Balance Sheet Tracking (FSAGADAF)
Keywords
Where Chipax is headquartered
LocationHeadquarters
- HQ city
- Santiago
- HQ country
- Chile
- HQ region
- Latin America
Offices1 record
Markets served
Chipax business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Subscription SaaS Plans: Monthly or annual subscription plans (Gratis/Emprende/Crece/Escala) priced in UF (Unidad de Fomento). Annual billing offers 2 months free. Additional user and account add-ons available.
- Add-on Modules: Additional paid modules such as automatic invoice classification (+UF 6/year) for organizations needing advanced functionality
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free forever plan for basic financial organization |
| Subscription | Annual | Entry-level paid plan for entrepreneurs starting to organize finances |
| Subscription | Annual | Mid-tier plan with operational result visibility |
| Subscription | Annual | Advanced plan for better cash management and Transbank reconciliation |
| Subscription | Annual | Automatic invoice classification add-on module |
| Subscription | Annual | Additional checking account add-on |
| Subscription | Annual | Additional user add-on |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels7 records
Chipax product offering
Product offeringCore offering
Chipax is a cloud-based financial automation SaaS platform for Chilean SMEs (Pymes) that automatically loads and organizes a company's financial data from the SII tax authority, banks, payment gateways (Transbank, GetNet, Mercado Pago), and HR/payroll systems. It produces automated bank reconciliation, customizable Operational Result (income statement) and Cash Flow reports, accounts receivable/payable management with email-based collections, sales notes, and projections. The product is sold via a freemium tier and paid annual subscriptions (Emprende, Crece, Escala) plus optional add-on modules including automatic invoice classification, Chipay supplier payments, and a Claude AI integration, with a public REST API for partners.
Product overview
Chipax is a cloud-based financial automation and management platform for Chilean SMEs (Pymes). The product portfolio consists of a single unified core platform (Chipax) with four subscription tiers (Gratis free, Emprende UF 24/yr, Crece UF 36/yr, Escala UF 48/yr) offering progressively more users, bank accounts, and features. The platform is built around native integrations with Chilean banks, the SII tax authority, and payment gateways (Transbank, GetNet, Mercado Pago). Add-on modules include Chipay for supplier payments, an auto-classification AI add-on for invoice categorization, and a Claude AI integration. A public v2 REST API supports partner and custom integrations. The platform's core workflow automates financial data loading, bank reconciliation, accounts receivable/payable management, tax compliance, and financial reporting (cash flow, operational results, budgets).
Differentiator
Problem solved
Functional benefit
Products and services
- Chipax Financial Automation Platform Cloud-based financial automation and management platform for Chilean SMEs that automatically loads, organizes, and reconciles financial data from banks, the SII tax authority, payment gateways, and HR systems, and generates cash flow, operational result, and accounts payable/receivable reports via web and mobile-optimized interface.
- Chipax Plan Gratis (Free Plan)
Quantifiable outcome
- 1800+ companies use Chipax daily
- +2 more outcomes
Companies that use Chipax
Customer profileNamed customers9 records
Segments1 record
Ideal customer profiles2 records
Chipax technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
AI capability6 records
Feature8 records
Chipax partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core.
- TransbankcorePayment gateway integration for reconciling card sales. Supports loading .dat files from Transbank and automatic matching of transfers with sales transactions. Includes special reconciliation features for credit sales and deferred payments.
- GetNetcorePayment gateway integration for reconciling payment gateway transactions. Users can identify GetNet deposits and reconcile via advanced reconciliation features.
- Mercado PagocorePayment gateway integration for Mercado Pago wallet reconciliation. Supports the full flow from money withdrawal to advanced reconciliation grouping.
- BsalecorePOS and inventory management system integration. Connects sales, inventory, and cost of goods sold data to Chipax for complete financial visibility. Especially valuable for retail businesses.
- PreviredcoreChilean payroll clearinghouse integration. Load Previred files directly into Chipax for automatic reconciliation of social security payments.
- BCIcoreBank integration for automatic account statement loading. Supports BCI and BCI 360 Connect platforms, including USD accounts.
- Santander ChilecoreBank integration for automatic account statement loading. Supports Santander and Santander Private Banking/Office Banking platforms.
- SII (Servicio de Impuestos Internos)coreDirect integration with Chilean tax authority for real-time synchronization of invoices, receipts, and tax data. Supports free SII invoicer and other certified invoicing systems.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
Chipax competitors and assessment
Company assessmentDirect peers
- Nubox: Chile-based cloud SaaS providing accounting, payroll and tax-compliance tools to SMEs, directly competing with Chipax in the Chilean Pymes market with overlapping SII and bank integrations.
- Defontana: Chilean cloud ERP, accounting and payroll software serving SMEs and larger companies in Chile and other LatAm countries, offering overlapping financial-management and SII-integration capabilities to Chipax.
- Biller: Chile-based electronic-invoicing and billing platform integrated with SII, focused on automating document workflows for Chilean SMEs - adjacent feature overlap with Chipax's invoicing and collection management.
- Bsale: Chilean POS/e-commerce platform that integrates with Chipax for financial reporting and reconciliation; serves similar Chilean SMEs but at an earlier point in the financial workflow (sales capture) rather than full accounting automation.
Regional players
- Conta Azul: Brazil-based SMB accounting and financial-management SaaS with a similar horizontal SaaS + automation playbook, demonstrating the LatAm SMB-finance model Chipax follows in a different national market.
- Siigo: Latin American cloud accounting SaaS serving SMEs across multiple countries with localized tax and invoicing integrations, comparable to Chipax as a regional SMB-finance platform with built-in regulatory features.
- Alegra: Cloud accounting and invoicing platform serving SMBs across several LatAm markets, including Chile; comparable in target customer (small businesses) and core workflow (electronic invoicing + accounting automation).
- Holded: Spain-based SMB business-management SaaS bundling accounting, invoicing and bank reconciliation - a near-analog of Chipax's value proposition in a different (Spanish) regulatory and linguistic market.
Broad incumbents
- QuickBooks (Intuit): Global SMB accounting and financial-management platform with bank feeds, invoicing, and reporting - the category leader Chipax competes against; well-capitalized and could localize more aggressively into LatAm.
- Xero: Global cloud accounting SaaS with strong bank-reconciliation and SME focus; a broad incumbent whose product scope and target customer closely mirror Chipax's core accounting and reporting offering.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Chipax social profiles
Digital presenceChipax financial estimates
Financial estimateRevenue estimate
Valuation estimate
Chipax leadership team
Management profileNumber of profiles
Profiles5 records
Chipax funding detail
Funding detailFunding overview
Funding rounds3 records
Investors8 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Chipax M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Chipax
What does Chipax do?
Chipax is a cloud-based financial automation SaaS platform for Chilean SMEs (Pymes) that automatically loads and organizes a company's financial data from the SII tax authority, banks, payment gateways (Transbank, GetNet, Mercado Pago), and HR/payroll systems. It produces automated bank reconciliation, customizable Operational Result (income statement) and Cash Flow reports, accounts receivable/payable management with email-based collections, sales notes, and projections. The product is sold via a freemium tier and paid annual subscriptions (Emprende, Crece, Escala) plus optional add-on modules including automatic invoice classification, Chipay supplier payments, and a Claude AI integration, with a public REST API for partners.
Is Chipax a public or private company?
Chipax is a private company. It is classified as venture growth investor backed and is currently operating.
When was Chipax founded?
Chipax was founded in 2015. It employs 11 to 50 people.
Where is Chipax based?
Chipax is headquartered in Santiago, Chile, in the Latin America region.
How does Chipax make money?
Two revenue lines are on record. Subscription SaaS Plans are the primary driver. The others are add-on Modules.
Who are Chipax's main competitors?
Direct peers on record are Nubox, Defontana, Biller and Bsale. Regional players are Conta Azul, Siigo, Alegra and Holded. Broad incumbents are QuickBooks (Intuit) and Xero.
Does Chipax have an API?
Yes. Chipax provides a public REST API accessible at api.chipax.com/v2/swagger-docs/. The API enables developers to build custom integrations and automate financial management workflows, including retrieving and syncing financial documents, bank account movements, tax data (SII), accounts receivable/payable, and reporting data. It also supports partner integrations. Additionally, Chipax offers a Claude AI integration, allowing users to connect Claude (by Anthropic) with their Chipax account for AI-assisted financial tasks. Developer documentation is at api.chipax.com/v2/swagger-docs.
What industry is Chipax in?
Chipax's product category is SMB Accounting & Financial Automation Software. Its primary akta.pro industry code is FSAGABAI, Dispute, Chargeback & Refund Automation, with a secondary code of FSAGADAF, Net Worth & Personal Balance Sheet Tracking. Its NAICS code is 518.