Any experience or rec's for Thailand?
Otherwise you're stuck with AliPay+ merchants (easy via Wise) or TAGTHAi which should still work but is expensive and sucks.
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I forgot about https://p2p.me - they're taking the regulatory arbitrage 'personal travel payment concierge service' approach, basically "work around the problem, not with it" as the founders realized the people making the regulations neither know nor care about on-the-ground practicalities.