---
title: The Future of Interchange Optimization
description: 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.
image: https://www.ccsalespro.com/hubfs/featured%20image-2.png
---
# The Future of Interchange Optimization
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.
[ James Shepherd ](https://www.ccsalespro.com/podcast/author/james-shepherd)
Feb 20, 2026
---
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.
[Merchant Sales Podcast](https://soundcloud.com/merchant-sales-podcast) · [The Future of Interchange Optimization](https://soundcloud.com/merchant-sales-podcast/the-future-of-interchange-optimization)
[](https://www.ccsalespro.com/2026) [](https://fullstackpayments.com/download-app?utm_medium=email&_hsenc=p2ANqtz-_ixTBkRdnNdK04oCUWDi0LV5zrtP-pTLxi4WQfzzPQYBJJnri3hmdrkID4kxlR5uYYjdCuOgEgaofCtMmq3v3Yk1xpmw&_hsmi=362963412&utm_content=362963412&utm_source=hs_email) [](https://www.ccsalespro.com/how-to-sell-merchant-services-in-6-steps) [.jpg "GetIsoAmp.com")](https://getisoamp.com/index.php/request-demo/)
## Similar posts
Podcast
### [Learn How to Increase Profits AND Maintain Control of Your ISO – #118](https://www.ccsalespro.com/podcast/learn-how-to-increase-profits-and-maintain-control-of-your-iso)
Kevin Smith, President of Secure Bancard, explains how his wholesale ISO has taken previously outsourced processes in house to boost efficiency,...
James Shepherd Nov 6, 2020
Podcast
### [Get the Inside Scoop on Level 2 & 3 Interchange Optimization – #135](https://www.ccsalespro.com/podcast/https-soundcloud-com-merchant-sales-podcast-get-the-inside-scoop-on-level-2-3-interchange-optimization)
Tune in to learn how Level 2 and Level 3 optimization works, and why ISOs and MLSs should care. “B2B is a $20 […]
James Shepherd Apr 2, 2021
Podcast
### [Tapping into $20 Trillion Opportunity: B2B Payments – #120](https://www.ccsalespro.com/podcast/tapping-into-20-trillion-opportunity-b2b-payments)
B2B payments are a huge opportunity for the taking by ISOs and agents, says Roger McNamara, President of Guide2Interchange. Roger describes how to...
James Shepherd Nov 20, 2020
### Get notified about new podcasts
Enter your email to have each new CCSalesPro Podcast delivered straight to your inbox. You can unsubscribe at any time.
Text "Free" to (814) 482-2090 to get my latest eBook
[](https://www.facebook.com/ccsalespro) [](https://www.linkedin.com/company/ccsalespro/) [](https://www.youtube.com/user/CCSalesPro) [](https://soundcloud.com/merchant-sales-podcast)
- [Home](https://www.ccsalespro.com/)
- [Blog](https://www.ccsalespro.com/blog)
- [Podcast](https://www.ccsalespro.com/podcast)
- [Training](https://www.ccsalespro.com/training)
- [Partners We Trust](https://www.ccsalespro.com/companies-we-trust)
© 2026 CCSalesPro, Inc. All rights reserved. Various trademarks held by their respective owners. CCSalesPro, Inc.
```json
{
"@context" : "https://schema.org",
"@type" : "BlogPosting",
"author" : {
"@type" : "Person",
"name" : "James Shepherd",
"url" : "https://www.ccsalespro.com/podcast/author/james-shepherd"
},
"dateModified" : "2026-02-20T21:48:04.038Z",
"datePublished" : "2026-02-20T21:48:04.000Z",
"headline" : "The Future of Interchange Optimization",
"image" : [ "https://www.ccsalespro.com/hubfs/featured%20image-2.png" ],
"mainEntityOfPage" : {
"@id" : "https://www.ccsalespro.com/podcast/the-future-of-interchange-optimization",
"@type" : "WebPage"
},
"publisher" : {
"@type" : "Organization",
"logo" : {
"@type" : "ImageObject",
"url" : "https://www.ccsalespro.com/hubfs/ccalespro%20-%20white%20background-2.png"
},
"name" : "CCSalesPro"
}
}
```