One way some people have found a way round is to get a credit card in the Wifes name, most cc's allow you to do it. In theory you can have one in the name of micky mouse. Send the cc out unactivated then if booking via email you can do it ot your Mahal rings up herself.
Occasionally some cc's are not accepted for example with cebu air or whatever they are called but from experience the large international airlines there is no problem.
