The Future of Interchange Optimization
From Merchant Sales Podcast by Merchant Sales Podcast
February 20, 2026 · 59 min
About this episode
This episode discusses interchange optimization and new opportunities for payment professionals following changes from Visa.
Interchange fees are one of the largest — and most misunderstood — costs in merchant services. But new changes from Visa are reshaping how optimization works and creating new opportunities for payment professionals. In this episode of the Merchant Sales Podcast, James Shepherd speaks with Jeremy Layton, CEO of Verisave, about interchange optimization, Visa’s new Commercial Enhanced Data Program (CEDP), and how merchants can reduce processing costs without switching providers. They explain how interchange works, why many merchants overpay, and how real transaction data is becoming critical under Visa’s new rules. The episode also explores how ISOs and agents can partner on cost reduction programs, unlock new revenue opportunities, and help larger merchants who aren’t looking to switch processors. Plus, Patti Murphy’s Today in Payments segment covers major industry developments including Europe’s move toward a new payment network, rapid growth from Toast and Zelle, and emerging payment innovations. If you’re a merchant sales agent or ISO owner looking for new ways to deliver value — and generate revenue — this episode is a must-listen.
People in this episode
Host: James Shepherd
Guest: Jeremy Layton
Topics covered
- interchange optimization
- merchant services
- payment processing
- cost reduction
- payment innovations
- Visa regulations
Keywords
- interchange fees
- merchant costs
- payment professionals
- processing costs
- transaction data
- ISO
- revenue opportunities
Mentioned in this episode
Organizations: Verisave, Visa, Toast, Zelle, Patti Murphy, Commercial Enhanced Data Program
Places: Europe
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