inGroup

Overview

inGroup International LLC is a Guaynabo, Puerto Rico-headquartered company whose flagship brand, inCruises, launched in 2016 as a subscription-based cruise travel club offering members discounted, flexible-payment access to cruise bookings worldwide. The company later added inStays (hotel and resort bookings, introduced in 2022) and inPay (a payment services offering) to broaden its travel and financial product lineup. The business operates on a direct-selling model: independent "Partners" pay an activation fee to access a digital enrollment and training portal, then earn compensation for referring new Members and Partners into the club, alongside personal membership benefits. Co-founded by Michael "Hutch" Hutchison (CEO) and Frank Codina, the company has grown rapidly, reporting more than one million cumulative Members and Partners across upward of 200 countries and territories, and appearing on Direct Selling News' Global 100 list of the world's largest direct-selling companies (ranked 39th in the 2025 edition, with reported 2024 revenue of 253 million US dollars). inGroup markets itself around cruise-industry partnerships and travel-agency recognitions, and describes ongoing plans to add new travel-related membership products over time.