diff --git a/src/app/invoice/[id]/page.tsx b/src/app/invoice/[id]/page.tsx
index c0e2e88..3b42f62 100644
--- a/src/app/invoice/[id]/page.tsx
+++ b/src/app/invoice/[id]/page.tsx
@@ -38,6 +38,8 @@ import PresenceIndicators from "@/components/PresenceIndicators";
 import CollaborationCursors from "@/components/CollaborationCursors";
 import SplitCalculator from "@/components/SplitCalculator";
 import InvoiceQR from "@/components/InvoiceQR";
+import InvoiceChat from "@/components/InvoiceChat";
+import PaymentExport from "@/components/PaymentExport";
 import { getReminderForInvoice, cancelReminder, setReminder } from "@/lib/reminders";
 import { sendWebhookIfConfigured } from "@/components/WebhookConfig";
 import TxConfirmModal from "@/components/TxConfirmModal";
@@ -529,6 +531,14 @@ export default function InvoiceDetailPage({ params }: Props) {
         />
       </section>
 
+      {/* Invoice Chat */}
+      <InvoiceChat
+        invoiceId={id}
+        creator={invoice.creator}
+        recipients={invoice.recipients}
+        currentAddress={publicKey}
+      />
+
       {/* Recipients */}
       <section aria-labelledby="recipients-heading" className="mb-8">
         <h2 id="recipients-heading" className="text-lg font-semibold mb-3">Recipients</h2>
diff --git a/src/components/InvoiceChat.tsx b/src/components/InvoiceChat.tsx
new file mode 100644
index 0000000..9e4e6c1
--- /dev/null
+++ b/src/components/InvoiceChat.tsx
@@ -0,0 +1,198 @@
+"use client";
+
+import { FormEvent, useEffect, useMemo, useRef, useState } from "react";
+import { truncateAddress } from "@stellar-split/sdk";
+
+type Recipient = { address: string };
+
+interface InvoiceChatMessage {
+  invoiceId: string;
+  sender: string;
+  text: string;
+  timestamp: number;
+}
+
+interface Props {
+  invoiceId: string;
+  creator: string;
+  recipients: Recipient[];
+  currentAddress: string | null;
+}
+
+const STORAGE_PREFIX = "invoice-chat-";
+
+function getStorageKey(invoiceId: string) {
+  return `${STORAGE_PREFIX}${invoiceId}`;
+}
+
+function parseMessages(value: string | null): InvoiceChatMessage[] {
+  try {
+    const parsed = value ? JSON.parse(value) : [];
+    if (!Array.isArray(parsed)) return [];
+    return parsed
+      .filter(
+        (item): item is InvoiceChatMessage =>
+          typeof item === "object" &&
+          item !== null &&
+          typeof item.invoiceId === "string" &&
+          typeof item.sender === "string" &&
+          typeof item.text === "string" &&
+          typeof item.timestamp === "number"
+      )
+      .sort((a, b) => a.timestamp - b.timestamp);
+  } catch {
+    return [];
+  }
+}
+
+function loadMessages(invoiceId: string): InvoiceChatMessage[] {
+  if (typeof window === "undefined") return [];
+  return parseMessages(localStorage.getItem(getStorageKey(invoiceId)));
+}
+
+function saveMessage(invoiceId: string, message: InvoiceChatMessage) {
+  const messages = loadMessages(invoiceId);
+  localStorage.setItem(
+    getStorageKey(invoiceId),
+    JSON.stringify([...messages, message])
+  );
+}
+
+function formatDate(timestamp: number) {
+  return new Intl.DateTimeFormat(undefined, {
+    dateStyle: "medium",
+    timeStyle: "short",
+  }).format(new Date(timestamp));
+}
+
+export default function InvoiceChat({
+  invoiceId,
+  creator,
+  recipients,
+  currentAddress,
+}: Props) {
+  const [messages, setMessages] = useState<InvoiceChatMessage[]>([]);
+  const [text, setText] = useState("");
+  const [isAllowed, setIsAllowed] = useState(false);
+  const inputRef = useRef<HTMLTextAreaElement | null>(null);
+
+  useEffect(() => {
+    setMessages(loadMessages(invoiceId));
+  }, [invoiceId]);
+
+  useEffect(() => {
+    setIsAllowed(
+      Boolean(
+        currentAddress &&
+          (currentAddress === creator ||
+            recipients.some((recipient) => recipient.address === currentAddress))
+      )
+    );
+  }, [currentAddress, creator, recipients]);
+
+  useEffect(() => {
+    const handleStorage = (event: StorageEvent) => {
+      if (event.key === getStorageKey(invoiceId)) {
+        setMessages(loadMessages(invoiceId));
+      }
+    };
+
+    window.addEventListener("storage", handleStorage);
+    return () => window.removeEventListener("storage", handleStorage);
+  }, [invoiceId]);
+
+  const sortedMessages = useMemo(
+    () => [...messages].sort((a, b) => a.timestamp - b.timestamp),
+    [messages]
+  );
+
+  const handleSubmit = (event: FormEvent<HTMLFormElement>) => {
+    event.preventDefault();
+    if (!currentAddress || !isAllowed) return;
+
+    const trimmed = text.trim();
+    if (!trimmed) return;
+
+    const message: InvoiceChatMessage = {
+      invoiceId,
+      sender: currentAddress,
+      text: trimmed,
+      timestamp: Date.now(),
+    };
+
+    saveMessage(invoiceId, message);
+    setMessages((prev) => [...prev, message]);
+    setText("");
+    inputRef.current?.focus();
+  };
+
+  const placeholder = currentAddress
+    ? isAllowed
+      ? "Write a message to the invoice participants…"
+      : "Only invoice creator and recipients can post messages."
+    : "Connect your wallet to join the chat.";
+
+  return (
+    <section className="mb-8">
+      <h2 className="text-lg font-semibold mb-4">Invoice Chat</h2>
+      <div className="space-y-4">
+        {sortedMessages.length === 0 ? (
+          <div className="rounded-lg border border-dashed border-gray-700 bg-gray-900 px-4 py-6 text-center text-sm text-gray-400">
+            No messages yet. Start the conversation with the invoice creator or recipients.
+          </div>
+        ) : (
+          <ul className="space-y-3">
+            {sortedMessages.map((message, index) => (
+              <li
+                key={`${message.timestamp}-${index}`}
+                className="rounded-lg border border-gray-800 bg-gray-900 p-4 text-sm"
+              >
+                <div className="flex flex-wrap items-center justify-between gap-2 mb-2">
+                  <span className="font-mono text-xs text-gray-300">
+                    {truncateAddress(message.sender)}
+                  </span>
+                  <span className="text-xs text-gray-500">
+                    {formatDate(message.timestamp)}
+                  </span>
+                </div>
+                <p className="whitespace-pre-wrap break-words text-gray-200">{message.text}</p>
+              </li>
+            ))}
+          </ul>
+        )}
+
+        <form onSubmit={handleSubmit} className="space-y-3">
+          <textarea
+            ref={inputRef}
+            value={text}
+            onChange={(event) => setText(event.target.value)}
+            placeholder={placeholder}
+            rows={3}
+            disabled={!isAllowed}
+            className="w-full min-h-[88px] resize-none rounded-lg border border-gray-700 bg-gray-900 px-4 py-3 text-sm text-gray-100 outline-none transition-colors focus:border-indigo-500 focus:ring-2 focus:ring-indigo-500/20 disabled:cursor-not-allowed disabled:opacity-60"
+          />
+          <div className="flex flex-col gap-3 sm:flex-row sm:items-center sm:justify-between">
+            <p className="text-xs text-gray-400">
+              {currentAddress ? (
+                isAllowed ? (
+                  <>Posting as {truncateAddress(currentAddress)}</>
+                ) : (
+                  <>Your connected wallet is not listed on this invoice.</>
+                )
+              ) : (
+                "Connect a wallet to post messages."
+              )}
+            </p>
+            <button
+              type="submit"
+              disabled={!isAllowed || !text.trim()}
+              className="inline-flex items-center justify-center rounded-lg bg-indigo-600 px-4 py-2 text-sm font-semibold text-white transition-colors hover:bg-indigo-500 disabled:opacity-50 disabled:cursor-not-allowed"
+            >
+              Send Message
+            </button>
+          </div>
+        </form>
+      </div>
+    </section>
+  );
+}