Add all ingredients to a blender or food processor ( excluding chocolate chips) and blend until mixture resembles pancake batter.
Grease a griddle/pan with cooking spray or oil of choice and place on medium heat.
Spoon batter into pancakes, top with chocolate chips (as many as your heart desires) and let cook for about 2 minutes on one side. Flip pancake and let cook for about a minute on the other side, or until done. Repeat with remaining batter (makes about 12 pancakes).