If I remember correctly, there is another way to pay by draft, but it is estimated that if he pays in that way, he will have time to apply for a new card after confirming receipt. It is better to apply for a card directly. Although it is objectively possible, I have never heard of anyone paying the sevis fee like that.
In fact, it is enough to pay the visa three days in advance. If there is enough time, it will take about one month to apply for a visa card. BOC (not advertising, because my card is familiar with BOC's card application) seems to have a super express card that can be completed in 10 days. Just ask at the bank counter.
It is also possible to borrow someone else's card. Look at your relatives and friends who have international credit cards.