Man, if I told you how many people called me asking if they should jump on this thread and defend me, you'd understand. I ONLY work with ISO's that were true partners. If they decided the 15% upsell was warranted, who am I to tell them not to upsell. That was what the market required. 15% upsells. So I did it. Knowing sure well that upsell could be the difference between the deal being affordable or not. In some cases, I'd cap the upsell because I was sure the merchant couldn't afford it, and would end up almost splitting the profit on the whole deal with the ISO/syndicate partner.