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Hi Hoang, being under 18 doesn't make it illegal to have PayPal! Trust me, myself and many friend of mine either did or do have them. When you pay, it'll make a PayPal account for you, so if you are still concerned about legal issues, you can always have the PayPal account in your parents name.
But at this time, PayPal and 2CheckOut are the only ways which you can pay for your hosting. I do believe this will change in the future, but it's not known when that will happen.
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