I used Wise for my HT with Eugenix and paid for my emtire procedure upfront before leaving my country. I had no issue. Like you mentioned, just set up Eugenix as the receiver, and the rest is not that difficult. For my own piece of mind I wanted to get the payment squared away before leaving my home country. I couldn't imagine traveling all the way to India just to be unable to make a payment...
I'm also using Wise again for my 2nd sitting with Eugenix. Additionally, I also used the Wise card to pay for my hotel in person. The Wuse card was definitely worth getting imo..
On a side note, if you plan on relying on an American Express card for shopping or whatever, take note that some vendors do not except it.