Jeremy Layton
CEO and Founder
Jeremy Layton founded Verisave in 2001, originally as an accounts-payable audit firm. Recognizing a widespread need for credit card processing fee expertise, Jeremy evolved Verisave into America's foremost merchant account management resource. With over two decades of experience in payment optimization, Jeremy has personally overseen the analysis of thousands of merchant accounts and the recovery of millions in overcharged fees. His vision established Verisave's unique value proposition: optimizing existing processor relationships rather than forcing disruptive switches.
Areas of Expertise
Merchant Account Management
Payment Processing Optimization
Business Cost Reduction
Accounts Payable Auditing
Financial Services Leadership
Processor Relationship Management
Strategic Business Development
Certifications
- CEO and Founder, Verisave (2001-present)
- Certified Payment Professional
- Pioneer in Merchant Account Optimization
Articles by Jeremy Layton
9 Articles
interchange-optimization
Feb 27, 2026
3 min read
Visa Level 2 Sunset: Why Data Quality Now Matters
Visa has already retired legacy Level 2 programs—earlier than expected—replacing them with CEDP. This isn't just a technical update—it's a fundamental shift in how your business's profitability is calculated.
Read Article
Compliance
Jan 12, 2026
3 min read
Beware of Noncompliant CEDP Solutions
Visa's CEDP is the biggest processing rule change in 25 years. Some processors are responding by submitting randomized fake data to achieve discounted interchange—a risky approach that Visa's AI-powered audits will catch. Learn why legitimate compliance is the only safe path forward.
Read Article
Cost Optimization
Jan 6, 2026
5 min read
The Hidden Cost of Stripe: What You're Really Paying
Stripe has revolutionized online payments with its developer-friendly API, but many businesses discover a frustrating reality: you can't easily see what you're paying. When you can't track fees accurately, you can't control costs—and that can cost thousands per year.
Read Article
Payment Technology
Nov 10, 2025
5 min read
FedNow vs. Wires for High-Value B2B Payments
The Federal Reserve raised FedNow's limit to $10 million, enabling real-time settlement for large B2B payments. Learn how this changes treasury strategy and when instant payments make sense over wires or cards.
Read Article
Industry Updates
Oct 20, 2025
5 min read
Visa-Mastercard Settlement: Why CFOs Should Wait
The proposed Visa/Mastercard class-action settlement includes temporary interchange fee reductions and new card acceptance rules, but it's not final. Here's why CFOs should prepare strategically rather than act prematurely.
Read Article
Compliance
Jul 22, 2025
6 min read
Visa VAMP: A CFO's Guide to Dispute Monitoring
Visa's new VAMP framework consolidates fraud and dispute monitoring into a unified risk ratio. Learn how this affects merchant fees, why fraud signals now carry direct financial consequences, and how to stay below monitoring thresholds.
Read Article
Compliance
Jul 15, 2025
10 min read
The CFO's Guide to Visa CEDP and the Level 2 Sunset
Visa's Commercial Enhanced Data Program (CEDP) has shifted B2B pricing from legacy Level 2/3 structures to invoice-level data validation. Learn what finance leaders need to know now that Level 2 has been retired earlier than expected.
Read Article
Cost Optimization
Jun 25, 2025
5 min read
DSOs and Chains: Controlling Multi-Location Costs
For multi-location enterprises like DSOs and retail chains, decentralized payment processing is a primary source of margin leakage. When individual locations operate on separate merchant accounts with different terms, the parent company loses volume leverage and pays retail pricing instead of enterprise-level terms.
Read Article
Cost Optimization
Feb 5, 2025
6 min read
Merchant Cost Recovery: An Always-On Framework
Merchant Cost Recovery Infrastructure is an always-on framework that continuously optimizes payment processing. Learn why one-time audits fail and how infrastructure-based optimization reduces costs without switching processors.
Read Article