Normal visa mastercards tend to have a poorer exchange rate, commission also, 2%+ isn't unusual. Even my UK Clarity mastercard with 0% commission doesn't seem to be as good as Wise transfers
I doubt anyone will do that because they don't get paid until you actually visit. I see a "Dr" on facebook called Doc Martin who seems to do a lot by email so maybe he would, he's in Pattaya somewhere. Alternatively an Orthopedic clinic on Pattaya Tai gets recommended often
https://maps.app.goo.gl/jJKK71UFSWw1Qu4s8