Combine the flour, cocoa powder, sugar (or sweetener), baking powder (and baking soda if using) and salt together in a mixing bowl. Pour in the butter (or oil), vanilla and milk. Whisk until combined. Fold through chocolate chips.
Heat a nonstick pan over low-medium heat with cooking oil spray. Pour 1/4 cup of batter per pancake into the pan and cook until the surface starts to bubble and the bottom is set. Flip and cook until done. Repeat with remaining batter.
Ganache:
Melt the chocolate in a microwave or over stove top (use your preferred method). Stir with a fork until lump free and evenly melted. Add the milk and whisk until smooth, combined and a creamy sauce has formed.
To serve, dust with a little icing or confectioners sugar, and drizzle with the chocolate ganache.
Notes
Use 1/2 teaspoon baking soda if using plain/all purpose flour.Use 2 teaspoons baking powder if using plain/all purpose flour.Nutrition calculated for 1 serving which is 2 pancakes per person.