that was the point of my WU post - compare the total amount of baht you get with the different services. It’s always a function of fee + exchange rate. Always look at the baht amount you get for a fixed $ amount (or if you want a fixed baht amount, how much you’ll have to pay in dollars.)
Western Union is convenient as well. The problem with cost is that it is a function of fee AND exchange rate.
WU allows your recipient to pick up at one the very many WU locations or he/she can transfer to their bank account. Or you can send directly to bank account.
Charge is cheaper on debit card than cc.
Get all apps and make a survey for how much you get for your dollars.
on the surface having a hard copy sounds reasonable. However, a restaurant may have to be able to prove that they checked for vaccination. Proving a poll to your app may be needed and a visual inspection leaves no lasting proof of compliance.