If you use an agent to get your visa, they can take care of the 800,000 if you don't want to transfer it for whatever reason or if you don't have it which not everyone has, they offer it as part of the service. I am not sure how they get around the 800,000 but they manage and can get your visa. I know some people don't like using agents but i've always found they save you a lot of time and hassle.
Have you tried using an agent, generally they can take care of everything the same day for you depending on your needs, but i bet if you spoke to one they would have a solution