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I just hooked up a chat room to my XOOPS site and it uses a module called IRCMod 2.0
The nice thing is its integrated with XOOPS and IRC so it will use their XOOPS username (if they are logged in of course)
I think using Jabber is a good idea too, but im very partial to IRC since its been around for 15 years and works so well.
You can find the IRCmod 2.0 module here:
Link(It does require Java)
there are many irc servers you can use (for free)
you could try irc.efnet.org in the settings.
and set your own channel name (make sure the channel doesnt exist already, you can create ANY channel on IRC)
Also, i edited the default username because it was in french (Visiteur??) .. I changed it to Visitor??
You can see it in action here:
hyperpod.net/modules/ircmod