5 April 2026 Β· 3 min read
Most patients spend weeks choosing a clinic and minutes choosing how to pay. That's backwards. The payment method you use could be the single most important decision you make β because it determines what happens to your money if things go wrong.
Bank transfers are fast and cheap. They're also essentially irreversible. Once the money leaves your account, recovering it requires the clinic's cooperation β which is precisely the thing you don't have when something has gone wrong.
Some clinics insist on bank transfers specifically because they know this. A patient who paid by bank transfer has limited leverage. A patient who paid by other methods may have significantly more options for recovery.
Certain payment methods carry consumer protections that apply even when the transaction involves a foreign company. These protections can make your payment provider jointly responsible for the quality of what you received. Most patients have no idea these protections exist β and clinics certainly don't mention them.
Before you pay anything: ask us how to structure your payment for maximum protection. It's part of what we advise on during a pre-treatment consultation β and it costs you nothing to ask. The few minutes you spend understanding your payment options could save you thousands if something goes wrong.
Choose your payment method with the same care you choose your clinic. If someone asks you to pay in a way that gives you no recourse, ask yourself why they need you to have no safety net.
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