What makes 2026 complicated
Direct transfers and cards from banks in Russia face restrictions abroad. Yet giving birth overseas comes with real bills: a clinic deposit, doctor’s fees, medical insurance (mandatory for the US), and housing. All of it must be paid on time and with documentation that the receiving party will accept.
Legal, working routes
Payments are processed through third-party jurisdictions with proper proof of the source of funds:
- International wire via a payment partner in a third country — with a clinic invoice and proof of the source of funds.
- Payment made directly at the provider’s published rates (clinic, doctor, doula) — no cash in an envelope.
- For the U.S., payment goes to the insurance company and hospital via an official transaction, which also strengthens the visa application.
Why legality matters
Birth abroad is about your child’s citizenship — documents that will be scrutinised for years. Paying in cash at the border or wiring money to an unknown intermediary puts not just your funds at risk, but the integrity of the entire story. We work exclusively through official channels: a contract with a registered entity, staged payments, and fees paid directly to service providers at listed prices with no hidden markups.
How it works for us
We process birth payments through SVOY’s international transfer service — the same one used for real estate and overseas expenses. Payments are timed to match the transaction schedule, come with supporting documents for the clinic and insurer, and go through without delays or blocks. You pay in stages and always know exactly what each payment covers.