Inchek Merchant Services
“Can a micro-boutique ISO deliver institutional-grade reliability and hands-on risk management to high-risk merchants that larger processors routinely drop?”
Founded2000
HQTarrytown, New York, United States
FoundersDon Siclari, Jr.
IndustryInfrastructure / Payments
The story
InChek was founded in 2000 as a check re-presentment business while its founder was in college, quickly pivoting into a full-service merchant services ISO. Over two decades it expanded from ACH/check services into card-present, card-not-present, online gateway, and high-risk merchant processing. The company has deliberately stayed small — 3 employees — maintaining a boutique, low-volume client model registered under Chesapeake Bank as its acquiring sponsor, targeting verticals such as nutraceuticals, CBD, gaming, and collections that larger ISOs often decline.
Last 12 months
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Product timeline
2000
Founded by Don Siclari, Jr. while a student at Miami University in Oxford, Ohio, initially focused on electronic check re-presentment.· pivot
2005
Expanded to a nationwide client base and relocated operations to Connecticut, broadening into full-range payment processing services.· pivot
2024
Rebranded/evolved positioning as a boutique, white-glove merchant services ISO registered with Chesapeake Bank, targeting high-risk verticals.· banking
The stack
1 layer disclosed in Inchek Merchant Services’s embedded-finance stack
Sponsor bank
Chesapeake Bank
Accounting gap: minor