Stacking can be far less profitable than you might be thinking.... A merchant holding 3-4 positions may not have the room for more than say a 15-20k stack, paying 8-10points since it's already a high Risk position. However, that same merchant might be holding a balance of 100K+, paying the ISO 5% with the FUNDKITE REVERSE. Clearly, the profit is most always in the consolidation if the balances are high enough and the blended factor is greater than our 1.32%. So reconsider compromising the Merchant & the Funder by stacking to the top; instead put on the Red Cape to save the day! With Fundkite Reverse: Funders get paid in Full, Merchants saves money immediately, and the ISO makes more coin responsibly - its cake. Eat it up!