Why doesn't Apple Pay work at Korean clinics?
Korean POS systems use a payment processing infrastructure that's separate from the international Apple Pay system used in US/EU/Japan. Korean Apple Pay (launched 2023) requires Korean-issued cards registered with Korean banking system. Foreign-registered Apple Wallet cards don't authenticate with Korean POS terminals. Same applies to Google Pay. Use physical card.
Can I really use UnionPay at JRYN?
Yes — JRYN accepts UnionPay cards directly. Some Korean clinics don't accept UnionPay; we do. Useful for mainland Chinese patients. Cards from Asian markets (Hong Kong, Singapore, Taiwan) on UnionPay network also work.
Will my US card definitely work?
Almost certainly yes if you notify your issuer pre-trip. Without notification, ~10% of US travelers experience initial decline at first Korean transaction (fraud detection). Solution: 5-minute pre-trip notification call. After successful first transaction, subsequent ones flow without issue.
Is there a credit card surcharge?
No — JRYN charges same price regardless of payment method. Some Korean smaller merchants add 3% for credit card; JRYN doesn't. Card or cash, same total bill.
How does foreign transaction fee work on my end?
Your card issuer charges 0–3% foreign transaction fee on top of the converted price. Travel-rewards cards (Chase Sapphire, Capital One Venture, AmEx Platinum, US Bank Altitude) typically don't charge foreign transaction fees. Standard cards do. Check your card terms before deciding which to use.
What's the best exchange rate strategy?
For small amounts (under $300 equivalent KRW): Gimhae airport at acceptable rate. For larger amounts: Hana Bank or Woori Bank in Seomyeon at better rate (10-min visit, passport required). Don't exchange at hotel front desk (worst rates). Don't withdraw from random ATM (ATM fees can be steep).
Can I split payment between card and cash?
Yes — JRYN can split payments between credit card and KRW cash if you prefer. Useful if your card credit limit is tight or if you want to use specific cash amount. Just request at checkout.
What about bank transfer fees on my end?
Varies by your bank. US banks typically charge $25–$50 outgoing wire fee. EU banks similar. Some banks waive for premium accounts. SWIFT transfer takes 1–3 business days. For 30% deposit on confirmed booking, this is usually worth it given you'd send only $200–$500 anyway.
Can I pay in installments?
Generally no for foreign patients. Korean clinics offer installment plans through Korean cards only. Foreign cards process as single transaction. If your card has installment feature on your end, that's between you and your card issuer — JRYN's transaction is single.
How do I confirm payment will work pre-trip?
WhatsApp +82-10-3951-7576 with: your card brand (Visa/MC/AmEx/JCB/UnionPay), country of issuance, and approximate treatment cost. Within 24 hours we confirm acceptance and any specific issues to anticipate. Pre-confirmation eliminates day-of payment friction.