You have two options:
1) Sign up and create an account, which lets you create an automatic recurring payment for your loved one via Credit Card, Cash App, Google Pay, or Apple Pay.
2) Deposit credits via debit card, credit card, Cash App, Google Pay, or Apple Pay. These are one-time payments, no account signup is required.
How is my loved one's account paid for?
When it's time to pay your loved one's subscription, any credits on your loved one's account will automatically be used before the automatic recurring payment method on file (if there is one) is used.
If your loved one doesn't have enough credits, the payment will be split between their credits and the payment method on file.
Example:
Your loved one, Bobby is on the Personal Number plan with a monthly fee of $19.99. They have $4.25 in credit, thus all their credits will be used and $15.74 will be charged to the payment method on file.