← State of Embedded Finance 2026

Checkalt

Can a check-clearing and receivables infrastructure company become the comprehensive embedded payments backbone for community banks and fintechs across all payment channels?

HQUnited States
IndustryInfrastructure / Payments
The story

CheckAlt operates as a check processing and image clearing infrastructure provider targeting banks, fintechs, and businesses. The company has built a suite of receivables and item-processing products—including remote deposit capture, lockbox, ACH, and card payment acceptance—positioning itself as embedded payments infrastructure for financial institutions. The company has invested in API-first delivery, offering documented APIs for card, ACH, RDC, and lockbox transactions to enable platform and fintech integrations.

Last 12 months
The stack
Accounting gap: none