Ha, the money that is coming via Wise goes to the Kasikorn Bank. There it is flagged as an overseas transfer. That is where Thai governemnt authorised the Kasikorn Bank. Just my guess, that might be the reason why Bangkok Bank (lost that business) became so surly and unfriendly to foreigners.
If your endpoint bank is not Kasikorn, then Kasikorn sends the money to your bank. The money is there but labelled as "Internet Transfer" as it is between Kasikorn and your bank.
Some leg work may be involved to get Kasikorn to give some document that the transfer was originally an overseas transfer.
>>You can apply from home country or a country you can show proof you are residing or staying in.
Must apply from the country of residence, more strict than "can apply".
A government issued ID, I live in Japan, Australian passport.
Has to be from where you reside, not a country you are visiting or travelling through.
And you have to stay there, within the jurisdiction of that particular Thai Embassy/Consulate until Non O - eVisa 90 days is approved. Might be 2 days, 7 day but not much longer. Mine was within 4 business days.
>>Entry stamp, accommodation address.
That is when you are already in Thai. Their stamps and Thai address. TM30, Certificate of Residence if it is needed (Opening a bank account, Thai driving license).
The OP needs another 60 days. So, leaving Thai to wherever and back toThai, get another 60 days, if there is no apparent history of using border runs that Immigration would have on their screens.
You said "Much better doing it yourself than using an agent that can lead to issues down the line".
I can spell out what the issues will be if someone had used an agency. The agency would get you a fully legal 1 year extension Non -O visa.
The caveat is : agency would make your TM30 at the adrress you would not even know where it is. The Visa would be legally issued and stamped in your passport from some Immigration office in a far flung province. All OK.
It is legal, I enterend Thai on it 29. October 2025. on Non-O visa 1 year from an agency that charged me 34,000 THB.
Then, renewal. Your address (TM30) may well be different now if you have it at all (if you had used an agency and live elsewhere, not in a province/address you may hardly know where it is), Immigration would refuse to extend your 1 year stay until you sort it out.
Now, that I have everything sorted out, Yellow Book, Thai ID, Thai Driving Licence, TM30 for my home that I own in Bangkok, a new bank account that I opened with Kasikorn bank, I might even use that agency to do the leg work upon the renewal of my 1 year extension stay in Thai. It would not be THAT expensive.