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How can I pay for someone else if the rules state that I cannot use my credit card?

If the country that the ticket departs from does not allow you to use your card if you are not travelling, depending on the departure country and the time before departure, you might be able to use another payment method that does allow you to pay for someone else.  The payment methods that support this are PayPal, real-time or online banking, offline bank transfer, or Western Union.

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