“Can a micro-boutique ISO deliver institutional-grade reliability and hands-on risk management to high-risk merchants that larger processors routinely drop?”
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.
Inchek Merchant Services discloses Chesapeake Bank as its sponsor bank, according to the Embedded Finance Index 2026.
Inchek Merchant Services does not disclose a bank charter of its own; its banking services are provided through Chesapeake Bank.
Inchek Merchant Services was founded by Don Siclari, Jr. and is founded in 2000, headquartered in Tarrytown, New York, United States.
Get a read on where your own stack stands against Inchek Merchant Services and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.