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 runs like an API on top of your existing merchant account. One 30-minute setup meeting, then it operates in the background — they manage the processor relationship, monitor monthly, and report quarterly. No recurring work for your team. Your processor relationship stays intact.

There are three ways to start. Pick whichever fits your time and curiosity.

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

Savings Calculator

~2 min

Tell us your annual card volume, payment mix, and your believed effective rate. Get back a fair-rate benchmark for your company profile. Lowest friction — no statement, no commitment.

Open the calculator

Instant Analysis

~10 min

Upload one recent merchant processing statement. Verisave's analyst team produces a free written report showing your CEDP exposure, fee classification leakage, and a savings range — typically within four business days. No fee, no contract.

Submit a statement

Book a 15-min walkthrough

15 min

If you'd rather talk it through first, book a 15-minute discovery call. We'll cover how the audit works, what Verisave looks for, and whether your account profile is a fit — before any statement changes hands.

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. The first analysis is always free.

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

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