So really just coming for a whinge... sorry in advance.
Wanting to get a direct debit facility for taking payments from customers. Speak to our accounts manager, they put us on to a team who deal with 'transnational banking', cool, have a 45 minute conversation about really nothing, and keep saying we just want the pricing.
Get the pricing, and the normal direct debit pricing is totally reasonable - Cool!
But then if, god forbid, we wanted to actually automate the loading of DD's and tracking of payments, the only option is to connect with SFTP - that's fine, still common and easily managed. But they want $5k to set up this magic FTP connection, and then $400/month to maintain it. WHAT?! In 2019 you want to charge $400/month to run 50 year old (i think?) technology?! Get off the grass...
One thing that I found quite funny during the initial sales call was when I mentioned we would want to automate the process through some sort of API, was the response of "yes we hear API's are going to be great in the future, but for we have what we call 'file transfer'".... like really? Spoiler alert, API's are already essential to most tech based businesses these days... and this isn't "the future" last time i checked.