If you don't want to hold up 800k in a bank or the 65k a month then agent is the best way forward..they deal with it all every year yes it's a cost but your own money is still yours
to airline etc ..it was 3 days I paid at airport. No probs. I asked if I would get a black mark in passport they said no problems ...it was not my fault forever stay but airline problems so maybe that was why no mark ...