Thailand PGT IVF Payment Process: Deposits, Staged Payments, Cards and Transfers

Most patients arranging PGT IVF in Thailand pay in stages rather than one lump sum. A typical sequence is a deposit to open your case, payment for monitoring and egg retrieval, then a separate payment for biopsy, genetic testing and any frozen embryo transfer. Clinics usually accept international bank transfers and major cards, but each clinic sets its own rules on timing, currencies, fees and refunds. Because policies vary and change, treat every figure and deadline below as something to confirm in writing with your chosen clinic before you send money.

At a glance

• Payment is usually staged, not a single upfront amount.
• A deposit often reserves your place and starts coordination.
• PGT laboratory fees may be billed separately from clinical fees.
• International transfers and cards can carry extra bank or conversion costs.
• Ask for a written quote, a payment schedule and a receipt policy.

Why PGT IVF payment is usually staged

PGT IVF combines several distinct services: fertility assessment, ovarian stimulation and monitoring, egg retrieval, embryo culture, embryo biopsy, genetic testing of the biopsied cells, and often embryo freezing or a later frozen transfer. Each stage depends on the previous one. If a cycle does not reach the testing stage, or if no embryo is suitable for biopsy, later charges may not apply. That is one reason clinics tend to bill in stages rather than asking for the full amount at the start.

Staging also protects both sides. You pay for what is actually happening, and the clinic can confirm that a cycle is proceeding before committing laboratory time. The exact staging is clinic-specific, so ask how your particular plan is divided.

The typical payment sequence

1. Initial consultation and planning. Some clinics charge a consultation or records-review fee before any treatment is scheduled.
2. Deposit to reserve your cycle. A deposit is often requested once you decide to proceed and a provisional start date is set. It may be credited against your final balance or treated as a separate booking fee.
3. Stimulation and monitoring. Medication and scan costs may be billed as you go, or bundled into a cycle package.
4. Egg retrieval and laboratory work. This stage usually includes the retrieval procedure, fertilisation and embryo culture.
5. Embryo biopsy and genetic testing. PGT laboratory charges may be invoiced by the clinic or by a separate genetics laboratory, and may be priced per embryo, per batch or as a package.
6. Freezing, storage and later transfer. If embryos are frozen, storage is often charged periodically, and a frozen embryo transfer is usually a separate fee.

Ask your clinic to mark on your quote which items are included, which are optional, and which are only charged if the cycle reaches a certain stage.

What a quote may include, and what it may not

Quotes are not standardised between clinics, so comparing headline numbers alone can be misleading. The table below lists common categories. It does not contain prices, because these vary by clinic, protocol and individual circumstances.

Category	Often included in a cycle quote	Often billed separately
Consultations and monitoring	Some scans and reviews	Extra visits, additional monitoring
Medication	Sometimes bundled	Frequently separate and dose-dependent
Retrieval and laboratory	Procedure and standard culture	Anaesthesia, extra procedures, ICSI or similar add-ons
PGT	Rarely included in a base cycle	Usually separate, priced per embryo or per batch
Freezing and storage	Sometimes a first year	Ongoing storage, renewal fees
Frozen transfer	Sometimes a package	Often a separate cycle fee
Administration	Sometimes included	Courier, translation, records or coordination fees

When you compare two clinics, compare the same list of items. A lower headline figure may exclude medication, PGT or storage, which can change the total considerably.

Deposits: what to clarify before paying

A deposit is usually the first payment you make. Before sending it, confirm:

• What the deposit reserves, and whether it is refundable or transferable.
• Whether it is credited against your treatment balance or charged in addition.
• What happens if your cycle dates change, or if you decide not to proceed.
• Whether the deposit expires after a certain period.
• Who receives the money, and in whose name the account is held.

Get these answers in writing, ideally in your treatment agreement or a written confirmation email.

Payment methods: cards, transfers and local options

Most international patients use one of the following. Availability differs by clinic, so confirm which options yours accepts.

• International bank transfer. Common for larger amounts. Your bank and the receiving bank may each charge a fee, and the clinic may receive less than you sent if charges are deducted along the way.
• Credit or debit card. Convenient for deposits and smaller payments. Cards may have transaction limits, foreign transaction fees, or require you to notify your bank before a large payment.
• Cash in local currency. Sometimes accepted for balances paid in person. Ask about receipt procedures and any limits.
• Online payment platforms. Some clinics offer these for deposits. Check the exchange rate applied and who bears the fee.
• Local bank accounts. If you already hold an account in Thailand, a domestic transfer may be simpler and cheaper.

Whatever method you use, ask for an official receipt showing the amount, currency, date and what the payment covers.

Currency considerations

Treatment is usually priced in Thai baht, while your funds may be held in another currency. That creates three practical issues:

• Exchange rate timing. The rate on the day you transfer may differ from the rate on the day the clinic invoices you.
• Conversion fees. Your bank, the receiving bank or a payment platform may apply a margin or fixed fee.
• Shortfalls. If intermediary bank charges are deducted, the clinic may receive less than the invoiced amount and ask you to cover the difference.

Ask the clinic which currency the invoice is issued in, whether they accept payment in another currency, and how they handle any shortfall caused by bank fees. Keep your transfer receipts.

Questions to ask your clinic before you pay

• Can you send a written quote listing every included and excluded item?
• What is the payment schedule, and when is each stage due?
• Is the deposit refundable, transferable or credited to my balance?
• Which payment methods do you accept, and are there limits or surcharges?
• Which currency should I send, and who pays intermediary bank fees?
• Are PGT laboratory fees billed by you or by a separate laboratory?
• How are PGT fees calculated if fewer or more embryos are tested than expected?
• What happens financially if the cycle is cancelled or does not reach testing?
• Are storage fees charged annually, and how do I pay them from abroad?
• Will I receive an itemised receipt for each payment?

A short planning checklist

1. Request written quotes from more than one clinic using the same item list.
2. Identify which costs are fixed and which depend on your response to treatment.
3. Confirm the deposit terms, refund policy and payment deadlines.
4. Check your bank’s international transfer fees and card limits before you need them.
5. Decide how you will handle currency conversion and keep records of every payment.
6. Ask who to contact if a payment is delayed or arrives short.
7. Keep copies of your agreement, invoices and receipts in one place.

Where to go next

If you are still comparing options, start with our overview of PGT in Thailand and our guide to IVF costs in Thailand. For practical preparation tools, see patient resources, and when you are ready to ask specific questions about your own situation, you can contact us.

Frequently asked questions

Do I have to pay the full amount for PGT IVF in Thailand upfront?

Usually not. Most clinics structure payment in stages, beginning with a deposit and then billing as the cycle progresses. The exact schedule varies by clinic, so ask for a written payment plan that shows what is due, when, and what each payment covers.

Can I pay a Bangkok clinic by international bank transfer?

International bank transfer is commonly accepted for larger payments, but each clinic sets its own rules. Ask which currencies they accept, whether they require the transfer to be sent in a specific way, and who is responsible for intermediary bank fees. Keep your transfer confirmation.

Are PGT laboratory fees included in the clinic's cycle price?

Often they are billed separately, either by the clinic or by a genetics laboratory. Ask whether PGT is priced per embryo, per batch or as a package, and what happens if the number of embryos tested differs from what was expected.

What should I check about currency and exchange rates?

Confirm the currency of the invoice, whether the clinic accepts payment in another currency, and how exchange-rate differences or bank charges are handled. A payment that arrives short because of intermediary fees may need to be topped up.

Is the deposit refundable if I change my plans?

Refund and transfer policies differ between clinics and may depend on how close you are to your cycle dates. Ask for the deposit terms in writing before you pay, including what happens if dates change or you decide not to proceed.

Continue your research

• PGT in Thailand overview
• IVF cost planning
• Patient resources

Medical information notice: This article is educational and does not replace individual assessment, diagnosis, genetic counselling or treatment advice from a licensed clinician. Provider services, availability, fees and policies should be verified directly before booking.