Zcap Solutions

Find out whether your business is overpaying on card processing fees.

I'm Zalmy. I work with finance leaders to surface margin hiding inside merchant processing statements. I don't sell processing services and I don't switch your processor — I bring in Verisave, an independent audit firm with $610M+ in recovered savings across 1,257 clients over 25 years.

Verisave operates like an API on top of your existing merchant account. One 30-minute setup meeting to walk through findings and authorize implementation, and from there it runs in the background — Verisave manages the processor relationship, monitors monthly, and reports quarterly. No recurring work for your team. Your processor relationship stays intact.

Zalmy Kotlarsky · Independent Sales Partner, Verisave · 845-671-9979 · zalmy@zcap.solutions
Three ways to engage

Pick the path that matches how seriously you want to evaluate this. The more serious you are, the more personal the engagement should be.

Savings Calculator

~2 min

Tell us your monthly card processing volume. Get back a ballpark estimate of what a fair rate would look like for your company profile. Quick, no statement, no commitment — useful for getting a feel for the math before you go deeper.

Open the calculator

Email Analysis

~10 min

Upload one recent merchant processing statement. Verisave's analyst team produces a written report with observations about what they see in your statement — delivered by email. A generalized read, no obligation, no fee, ever.

Submit a statement

Live Discovery Call

15+ min

The most thorough path. Verisave walks you through your statement findings live, with full transparency on what's recoverable, how implementation works, and what the savings look like. For prospects who want a complete picture before they decide. No obligation after the call.

Pick a time
$610M+in recovered savings
1,257clients audited
25 yearsof independent practice
10–30%typical fee reduction

What this is. Verisave is an independent merchant audit firm. They are not a payment processor. The audit identifies overcharging inside your existing merchant account — interchange misclassification, processor markup creep, CEDP exposure, refund recovery — and works with whoever you currently process with. No switching. No disruption.

What this isn't. Not a sales pitch for a payment processor. Not a software product. Not a long-term contract you sign before you know whether savings exist. Verisave invests the analyst time upfront and is paid only from a share of recovered savings — no upfront fees, no analysis charges, no consulting bills. If they don't recover anything, you owe nothing.

Not the right time? Verisave will be here when it is. The audit framework I described doesn't expire — only the savings you're missing each month do.

Questions? Reach me at zalmy@zcap.solutions or 845-671-9979.