I believe the slight edge Wise has is that it is a not an international transaction so it does not attract the 200 to 500 baht international fee that XE does when the funds arrive in your account. I stand to be corrected.
I did my 90 day report last month online after entering in September without any problem. The OP says it's about 90 days. I think you need to submit at least 7 days before the 90 day limit if doing it online.