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Transcript #8850

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Status: completed · Language: en · Source: Office Audio · Captured: 2026-06-09 11:36:55 · On Saturday? No, I checked it yesterday. Website using my bank card. Was it 11.40? Is that doing that? It's not. I'm che

Behnam

On Saturday?

2026-06-09 11:36:55 - 2026-06-09 11:36:56
Behnam

No, I checked it yesterday.

2026-06-09 11:36:57 - 2026-06-09 11:36:58
Behnam

Website using my bank card.

2026-06-09 11:36:59 - 2026-06-09 11:37:01
Behnam

Was it 11.40?

2026-06-09 11:37:01 - 2026-06-09 11:37:02
Behnam

Is that doing that?

2026-06-09 11:37:04 - 2026-06-09 11:37:05
Behnam

It's not.

2026-06-09 11:37:05 - 2026-06-09 11:37:06
Behnam

I'm checking it now.

2026-06-09 11:37:07 - 2026-06-09 11:37:08
Behnam

Oh, yeah, right.

2026-06-09 11:37:30 - 2026-06-09 11:37:31
Behnam

There is one, so why not?

2026-06-09 11:37:32 - 2026-06-09 11:37:34
Behnam

Yeah, sorry.

2026-06-09 11:37:35 - 2026-06-09 11:37:35
Behnam

11.39 on the 6th.

2026-06-09 11:37:38 - 2026-06-09 11:37:40
Behnam

What, has that come through on card transactions there?

2026-06-09 11:37:40 - 2026-06-09 11:37:43
Behnam

But we have...

2026-06-09 11:37:44 - 2026-06-09 11:37:45
Behnam

No, no, it comes into stripe,

2026-06-09 11:37:46 - 2026-06-09 11:37:47
Behnam

and I can withdraw it separately.

2026-06-09 11:37:47 - 2026-06-09 11:37:49
Behnam

However, because it'll come to us on the 11th.

2026-06-09 11:37:49 - 2026-06-09 11:38:01
Behnam

Yes, she did, I'm sorry.

2026-06-09 11:38:02 - 2026-06-09 11:38:03
Behnam

Now we can pay from website?

2026-06-09 11:38:05 - 2026-06-09 11:38:08
Behnam

Yes, yeah.

2026-06-09 11:38:08 - 2026-06-09 11:38:08
Behnam

Oh, for a month, 100 pounds.

2026-06-09 11:38:09 - 2026-06-09 11:38:12
Behnam

It's been cheaper than the card machine at all.

2026-06-09 11:38:13 - 2026-06-09 11:38:15
Behnam

She paid 100 pounds 66, I think.

2026-06-09 11:38:15 - 2026-06-09 11:38:20
Behnam

Sorry, I do that.

2026-06-09 11:38:22 - 2026-06-09 11:38:23
Damoon

Do you have to order through the website to pay,

2026-06-09 11:38:23 - 2026-06-09 11:38:26
Damoon

or still you can pay?

2026-06-09 11:38:26 - 2026-06-09 11:38:27
Damoon

I can send links as well, paying links.

2026-06-09 11:38:27 - 2026-06-09 11:38:29
Damoon

Isn't that go-cardless?

2026-06-09 11:38:30 - 2026-06-09 11:38:31
Damoon

No, this one is stripe.

2026-06-09 11:38:31 - 2026-06-09 11:38:33
Damoon

So what go-cardless does for you now?

2026-06-09 11:38:33 - 2026-06-09 11:38:36
Damoon

Nothing, we don't have go-cardless.

2026-06-09 11:38:36 - 2026-06-09 11:38:38
Damoon

Isn't that go-cardless?

2026-06-09 11:38:40 - 2026-06-09 11:38:41
Behnam

There's some go-cardless on our statement,

2026-06-09 11:38:42 - 2026-06-09 11:38:44
Behnam

because we paid something.

2026-06-09 11:38:44 - 2026-06-09 11:38:45
Behnam

It's something we paid for, I don't know which one.

2026-06-09 11:38:45 - 2026-06-09 11:38:49
Behnam

We have had transactions with that,

2026-06-09 11:38:54 - 2026-06-09 11:38:56
Behnam

but we don't have an account.

2026-06-09 11:38:56 - 2026-06-09 11:38:57
Behnam

It's somebody who we paid using that.

2026-06-09 11:38:59 - 2026-06-09 11:39:02
Behnam

I don't know what it was.

2026-06-09 11:39:03 - 2026-06-09 11:39:04
Behnam

Especially good for...

2026-06-09 11:39:06 - 2026-06-09 11:39:08
Behnam

Recurring payments, like if you've got a subscription,

2026-06-09 11:39:12 - 2026-06-09 11:39:15
Behnam

they do direct debit.

2026-06-09 11:39:15 - 2026-06-09 11:39:17
Behnam

That's software...

2026-06-09 11:39:18 - 2026-06-09 11:39:19
Behnam

That's KDOT, yeah.

2026-06-09 11:39:19 - 2026-06-09 11:39:21
Behnam

Oh, I know, that's for the post that I guess Scammon comes in.

2026-06-09 11:39:21 - 2026-06-09 11:39:25
Behnam

They're taking it through go-cardless.

2026-06-09 11:39:25 - 2026-06-09 11:39:28
Behnam

Go-cardless is collecting the money from us.

2026-06-09 11:39:28 - 2026-06-09 11:39:30
Behnam

Go-cardless originally was just direct debit.

2026-06-09 11:39:30 - 2026-06-09 11:39:32
Behnam

So we could actually open an account,

2026-06-09 11:39:33 - 2026-06-09 11:39:36
Behnam

and our customers put their bank details in,

2026-06-09 11:39:36 - 2026-06-09 11:39:40
Behnam

and then we could collect them and buy direct debit.

2026-06-09 11:39:40 - 2026-06-09 11:39:42
Behnam

Without setting up full direct debit.

2026-06-09 11:39:42 - 2026-06-09 11:39:44
Behnam

So you've got the bank, which is expensive,

2026-06-09 11:39:44 - 2026-06-09 11:39:46
Behnam

and it takes ages to work.

2026-06-09 11:39:46 - 2026-06-09 11:39:47
Behnam

Our website payments go through Stripe,

2026-06-09 11:39:51 - 2026-06-09 11:39:53
Behnam

which is really cheap and easy to use,

2026-06-09 11:39:53 - 2026-06-09 11:39:55
Behnam

and easy to open.

2026-06-09 11:39:55 - 2026-06-09 11:39:55
Behnam

Go-cardless does everything as well now,

2026-06-09 11:39:57 - 2026-06-09 11:39:59
Behnam

like they do for website payments.

2026-06-09 11:39:59 - 2026-06-09 11:40:01
Behnam

Yeah, yeah, I'll check the required, yeah.

2026-06-09 11:40:02 - 2026-06-09 11:40:04
Behnam

Stripe is good as well,

2026-06-09 11:40:05 - 2026-06-09 11:40:07
Behnam

but it's originally for websites and apps,

2026-06-09 11:40:07 - 2026-06-09 11:40:10
Behnam

but now they also do a lot of services.

2026-06-09 11:40:11 - 2026-06-09 11:40:13
Damoon

This kind of thing for CalWare,

2026-06-09 11:40:16 - 2026-06-09 11:40:18
Damoon

CalWare, is it CalWare for payment,

2026-06-09 11:40:18 - 2026-06-09 11:40:20
Damoon

£10 a month,

2026-06-09 11:40:20 - 2026-06-09 11:40:21
Damoon

and you get £0.4.

2026-06-09 11:40:23 - 2026-06-09 11:40:25
Damoon

That's cheap.

2026-06-09 11:40:26 - 2026-06-09 11:40:27
Damoon

By this four-year contract.

2026-06-09 11:40:28 - 2026-06-09 11:40:30
Damoon

That seems too cheap.

2026-06-09 11:40:32 - 2026-06-09 11:40:33
Damoon

That's why I think, because the contract is very long.

2026-06-09 11:40:33 - 2026-06-09 11:40:36
Damoon

It still seems too cheap.

2026-06-09 11:40:36 - 2026-06-09 11:40:37
Damoon

And now fixed amount.

2026-06-09 11:40:38 - 2026-06-09 11:40:40
Damoon

No, you pay £10 and you pay £1 for the first six months.

2026-06-09 11:40:41 - 2026-06-09 11:40:44
Damoon

But now fixed amount on each transaction.

2026-06-09 11:40:45 - 2026-06-09 11:40:46
Damoon

£10 for just go-cardless.

2026-06-09 11:40:46 - 2026-06-09 11:40:47
Damoon

Even with £30, you can get the whole system as well.

2026-06-09 11:40:47 - 2026-06-09 11:40:50
Behnam

What about, so on each transaction,

2026-06-09 11:40:51 - 2026-06-09 11:40:53
Behnam

just 0.4?

2026-06-09 11:40:53 - 2026-06-09 11:40:54
Behnam

Yeah.

2026-06-09 11:40:54 - 2026-06-09 11:40:54
Behnam

Not plus 20p or 50p?

2026-06-09 11:40:55 - 2026-06-09 11:40:57
Damoon

No, it didn't say yet,

2026-06-09 11:40:57 - 2026-06-09 11:40:58
Damoon

so maybe when you go further,

2026-06-09 11:40:58 - 2026-06-09 11:40:59
Damoon

what are the first things he didn't mention?

2026-06-09 11:40:59 - 2026-06-09 11:41:02
Behnam

And they have all the hidden fees,

2026-06-09 11:41:02 - 2026-06-09 11:41:04
Behnam

like PSS for security.

2026-06-09 11:41:04 - 2026-06-09 11:41:08
Behnam

Good help, yeah.

2026-06-09 11:41:08 - 2026-06-09 11:41:08
Behnam

Extra charges,

2026-06-09 11:41:08 - 2026-06-09 11:41:09
Behnam

and is that including the merchant account,

2026-06-09 11:41:09 - 2026-06-09 11:41:11
Behnam

or just the machine?

2026-06-09 11:41:11 - 2026-06-09 11:41:12
Behnam

Because, for example,

2026-06-09 11:41:13 - 2026-06-09 11:41:14
Behnam

the one we had,

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Behnam

take payments,

2026-06-09 11:41:16 - 2026-06-09 11:41:17
Behnam

they provided the machine for £15,

2026-06-09 11:41:18 - 2026-06-09 11:41:20
Behnam

and you get the merchant account from Barclays.

2026-06-09 11:41:20 - 2026-06-09 11:41:23
Behnam

They arrange it,

2026-06-09 11:41:23 - 2026-06-09 11:41:24
Behnam

but you pay Barclays fixed amounts.

2026-06-09 11:41:24 - 2026-06-09 11:41:26
Behnam

Not much.

2026-06-09 11:41:26 - 2026-06-09 11:41:27
Damoon

He didn't mention things yet about it,

2026-06-09 11:41:27 - 2026-06-09 11:41:30
Behnam

so I said I've got time for now,

2026-06-09 11:41:30 - 2026-06-09 11:41:33
Damoon

but it seems cheap,

2026-06-09 11:41:33 - 2026-06-09 11:41:34
Damoon

because I checked the other rate.

2026-06-09 11:41:34 - 2026-06-09 11:41:36
Damoon

It's none of them that cheap for now.

2026-06-09 11:41:37 - 2026-06-09 11:41:39
Damoon

Yeah, I did something.

2026-06-09 11:41:40 - 2026-06-09 11:41:41
Damoon

It sounds too good to be true.

2026-06-09 11:41:41 - 2026-06-09 11:41:42
Damoon

Maybe because the contract,

2026-06-09 11:41:44 - 2026-06-09 11:41:45
Damoon

it's so long.

2026-06-09 11:41:45 - 2026-06-09 11:41:47
Damoon

Some of them,

2026-06-09 11:41:47 - 2026-06-09 11:41:47
Damoon

it's non-contract,

2026-06-09 11:41:47 - 2026-06-09 11:41:48
Damoon

so you don't have to,

2026-06-09 11:41:48 - 2026-06-09 11:41:50
Behnam

you can cancel any time.

2026-06-09 11:41:50 - 2026-06-09 11:41:53

Diarization Windows

Behnam

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Segment 1
Behnam

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Segment 2
Behnam

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Segment 3
Behnam

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Segment 4
Behnam

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Segment 5
Behnam

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Segment 6
Behnam

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Segment 7
Behnam

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Segment 8
Behnam

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Segment 9
Behnam

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Segment 10
Behnam

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Segment 11
Damoon

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Segment 12
Behnam

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Segment 13
Behnam

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Segment 14
Behnam

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Segment 15
Behnam

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Segment 16
Behnam

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Segment 17
Behnam

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Segment 18
Behnam

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Segment 19
Behnam

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Segment 20
Damoon

2026-06-09 11:38:23 - 2026-06-09 11:38:29

Segment 21
Behnam

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Segment 22
Damoon

2026-06-09 11:38:30 - 2026-06-09 11:38:33

Segment 23
Damoon

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Segment 24
Behnam

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Segment 25
Damoon

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Segment 26
Damoon

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Segment 27
Behnam

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Segment 28
Damoon

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Segment 29
Behnam

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Segment 30
Behnam

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Segment 31
Behnam

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Segment 32
Behnam

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Segment 33
Behnam

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Segment 34
Behnam

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Segment 35
Behnam

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Segment 36
Damoon

2026-06-09 11:39:18 - 2026-06-09 11:39:19

Segment 37
Behnam

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Segment 38
Behnam

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Segment 39
Behnam

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Segment 40
Damoon

2026-06-09 11:39:46 - 2026-06-09 11:39:47

Segment 41
Behnam

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Segment 42
Behnam

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Segment 43
Damoon

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Segment 44
Damoon

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Segment 45
Damoon

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Segment 46
Behnam

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Segment 47
Behnam

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Segment 48
Behnam

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Segment 49
Damoon

2026-06-09 11:40:16 - 2026-06-09 11:40:22

Segment 50
Damoon

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Segment 51
Damoon

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Segment 52
Behnam

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Segment 53
Damoon

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Segment 54
Behnam

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Segment 55
Behnam

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Segment 56
Damoon

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Segment 57
Behnam

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Segment 58
Damoon

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Segment 59
Behnam

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Segment 60
Behnam

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Segment 61
Damoon

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Segment 62
Behnam

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Segment 63
Damoon

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Segment 64
Behnam

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Segment 65
Damoon

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Segment 66
Behnam

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Segment 67
Behnam

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Segment 68
Damoon

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Segment 69
Behnam

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Segment 70
Damoon

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Segment 71
Damoon

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Segment 72
Damoon

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Segment 73
Damoon

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Segment 74
Damoon

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Segment 75