This upbeat urban pop track finds Liam Payne singing about accumulating wealth. Over steel drums and finger snaps, the singer spells out his ambition to make stacks of bread. I've been workin' and gettin' by But that ain't enough to satisfy 'Cause I got dreams for you and I So I got money on my mind So if you wanna stack it up, man, you gotta work for it Payne said on social media that "Stack It Up" is "about working hard, being inspired and achieving your dreams."
The song features guest vocals from A Boogie wit da Hoodie. The Bronx rapper's boastful verse finds him giving advice about the effect money has on a relationship.
Payne and A Boogie wrote the track with Ed Sheeran, Steve Mac and Fred Gibson. Sheeran and Mac also helped the One Directioner launch his solo career in 2017 with "Strip That Down ."
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