I've used Wise for ten years now and the only time a transfer has taken more than a minute or two, is sometimes at weekend and only one time a computer problem, which took two days to complete transaction. Other than that one time my transfers have sometimes only taken seconds to arrive
I lived in Udon from 1998 to 2009. I only ever got four visas from Embassies/Consulates in all those years. Three were two month tourist visas and one 12 month multiple entry 'O'. I worked a lot of the time offshore outside Thailand, so didn't need to get into all the extension crap, so I understand what you mean by people being ridiculed by smart arses. I used to do my own visa procurements for visas for other countries from Embassies in Bangkok, but they were different applications than retirement extensions, so it'd be a while new ball game for me too if I wanted a visa extension based on retirement.
He said he wants the retirement 'O' visa. It's not a visa but an extension of a three month non immigrant 'O' visa. If he gets the visa extension, you cannot extend it by three months to give you 15 months. You have to apply in your last month for a new 12 month extension. A 12 month non immigrant multiple entry 'O' visa is the only one that can be extended to give you 15 months.