this is the difference between retail and wholesale. wholesale model you will not convert or have the loyalty like a retail model. hence, why a lot of funders went retail to control the sale. unless you build meaningful business relationships with your iso partners, that file you received, is sitting with a handful or more funders and BDs same day. I do agree though, the funders should not think because they get a deal, they have a right to backdoor the deal because the ISO annoys them. But, you will find, some of the ISO agreements have crafty verbiage that allows them to solicit the merchant, making it fair game to sell direct to your deals.